Haha, glad I'm not the only one who's found phantom rooms lurking in the records. It's reassuring to hear your diligence paid off—property taxes can f...

Totally get the peace of mind angle. When I bought my first place, I went full spreadsheet warrior—had every scenario mapped out down to the penny. Bu...

That's a good point about the gym membership—it's surprising how lenders sometimes zero in on seemingly minor details. When we bought our home a few y...

That's a solid analysis, and it mirrors my experience pretty closely. When I refinanced a few years back, I initially thought ditching PMI would be a ...

Really appreciate how you've laid this out clearly, especially the point about equity lines getting frozen—I experienced exactly that during the '08 d...