Couldn't agree more. When I refinanced last year, knowing upfront that delays and odd requests were normal definitely kept me sane... mostly. Still, p...

Went through this decision myself recently and ended up choosing a slightly longer term with lower monthly payments. Sure, the total interest paid ove...

We refinanced with a hybrid ARM last year—ours has caps, both annually and lifetime. Definitely makes it easier to sleep at night knowing there's a li...

I've actually tried leaning mostly on debt-to-income ratios before refinancing my mortgage, and honestly it didn't relieve stress about daily spending...