Fair points, but honestly, I'm not sure the fear of missing out on current market conditions should drive the decision. Markets fluctuate all the time...

I've been thinking about going digital too, but honestly, the scanning part still sounds like a chore. Maybe I just haven't found the right scanner ye...

Funny you mention subscriptions—I had a similar moment when we refinanced a couple years back. Underwriting flagged my monthly Audible charge as "unus...

Yeah, makes sense... I always thought avalanche was the obvious choice too, but now that you mention it, motivation really is key. Maybe I'll give sno...

Yeah, I feel you on the credit union thing. When I refinanced my place last year, I went in thinking a credit union would be my best bet too. Their ad...

Your hardwood floor story made me chuckle...been there myself with painting cabinets. Thought it'd be a weekend job, but it dragged on for weeks. Surp...

I've been thinking about this too lately, especially since I'm considering refinancing. Does anyone know if refinancing resets your equity progress, o...

Yeah, that's a good point about timing... I was pretty set on refinancing until I started crunching numbers and realized how long it'd take to actuall...

Haha, totally relatable. I used to think warranties were just money grabs, but after nearly flooding my kitchen trying to fix a faucet myself, I'm rec...

I've been using escrow for taxes and insurance ever since refinancing a couple years back, mostly because it was just bundled into the deal. Honestly,...

I tried something similar when I was refinancing my house last year. I figured, why not see if I could bump my score up a bit first? Honestly, I was e...