Haha, exactly... lenders count on us not doing our homework. One thing I've found helpful is to keep a spreadsheet with competitor rates handy—nothing...

Yeah, I totally get where you're coming from. When I refinanced last year, I initially thought keeping cash handy was smarter, but after crunching num...

Yeah, good call on testing things out first. Before refinancing our place, I almost jumped ship to freelance full-time...glad I crunched numbers first...

I went through a similar thought process recently and ended up refinancing—but only after crunching numbers obsessively for weeks. Your point about be...