Totally agree that refinancing isn't always a red flag for poor spending. Life can be unpredictable, and sometimes you just need a fresh start. My cow...

Ran into something similar when they asked about "landscaping reserves"—didn't even know that was a thing. Another friend mentioned lenders sometimes ...

Keeping a separate emergency fund is definitely smart, but I wonder if it's always the best move to stash away too much cash upfront. When I bought my...

Glad to hear it improved for you! We're moving into our first home next month, and I'm already bracing myself for similar hiccups. Did you end up swit...