Haha, yeah, lenders love sneaking in those "gotcha" moments. I remember thinking I was being super responsible paying off early, then BAM—early payoff...

I see your point about not wanting to tie flexible debt directly to your home—makes sense. But honestly, tapping equity isn't always the big scary mon...

Totally get your point, but honestly, as a budget-conscious buyer myself, sometimes those higher-end finishes can actually sway me. Sure, practicality...

Haha, exactly my thoughts. When we bought our first house, I remember rolling my eyes at all the inspections and paperwork—felt like they were checkin...

Totally agree with this. PMI isn't always the monster people make it out to be. When I bought my place, I was dead set against paying PMI too—felt lik...

Haha, "scavenger hunt" nails it. Felt like every time I thought I was done, they'd pop up asking for some random doc from 5 years ago... Hang in there...