When I refinanced last year, the underwriter didn’t even blink at my old bankruptcy. They wanted to see my last 12 months of payments—mortgage, credit...
Yeah, I had to dig up a two-month-old PayPal transfer for $12 and explain it was just splitting lunch with a coworker. It’s honestly kind of ridiculou...
Did you ever consider just riding out the adjustment period if rates didn’t cooperate? I always wonder if folks actually budget for the worst-case sce...
Chasing higher credit limits always feels like a bit of a gamble to me. I get the logic—more available credit, lower utilization, better score—but len...
Honestly, I’ve been through this recently while refinancing and it’s wild how deep they dig. They wanted explanations for Venmo payments to my sister—...
Living through renovations is honestly not for the faint of heart. We refinanced a couple years ago and used the cash-out to tackle some big updates—k...
Yeah, I totally relate to this. When I was refinancing, I ran into a couple agents who could talk circles around you, but the second you start asking ...
Totally get where you’re coming from. I tried the same thing—spent a couple months obsessing over my credit score, paying down this, shifting that, ho...
That’s exactly what made me pause during my last refi. The inspector flagged “previous foundation work” and I had to dig up the paperwork—turns out th...
I get what you're saying about credit scores helping with appraisal waivers, but honestly, how much weight do you think lenders put on neighborhood co...
Went through a refinance last year and debated the attorney thing myself. Ended up skipping it—luckily no surprises popped up, but looking back, maybe...
Refinancing won't exactly save you from drywall dust or pizza dinners, but it can free up some cash for those surprise projects. Been there myself—eve...
Same here—just refinanced and got hit with a surprise foundation inspection. Didn't even know that was a thing now...anyone else had lenders suddenly ...
Fair enough, but are we sure upgraded windows always translate into noticeable resale value? When I refinanced last year, the appraiser barely glanced...
Yeah, I looked into HARP a while back when rates were going crazy. Ended up not going through with it because the paperwork seemed like a nightmare. H...