This is spot-on. I almost refinanced a few years back because rates looked tempting, but when I ran the numbers, realized I'd probably sell before hit...

I see the appeal, but have you considered just making extra payments on your 30-year instead? That way you still chip away at principal faster, but if...

Yeah, I totally get that. ARMs seem tempting, but the uncertainty makes me nervous. Like, what happens if rates spike right when your budget's already...

Had a similar experience myself actually... felt like my broker was nudging me toward lenders with slightly higher rates. Made me wonder if there was ...