Yeah, I’ve run into that too. One lender had “processing” and “origination” as two separate fees, and when I asked, they basically shrugged and said, ...

Honestly, I’ve wondered about this too. We tapped our equity last year and had big dreams of a fancy bathroom, but ended up sinking most of it into fi...

I get what you’re saying about locking it in, but I’ll admit, I got burned once by jumping too soon. Rates dropped a month later and I kicked myself f...

Funny you mention that—I refinanced last year and shopped around for insurance at the same time. After I switched, my old insurer sent me a “we miss y...

I get where you’re coming from. I remember waiting months to nudge my score up a few points, thinking it’d make a big difference. By the time I was “r...

Totally get what you’re saying. When I refinanced a couple years back, I kept thinking rates might dip just a hair more. Ended up stressing for weeks,...

That’s the part that gets me every time. I refinanced last year and honestly thought the process would be smoother since everything’s “digital” now. I...

Weirdly enough, we had a similar experience with a local bank. When refinancing our old log cabin, the credit union folks were nice but seemed unsure ...

I totally get where you're coming from with the peace-of-mind factor. When we refinanced our home last year, we had a bit of extra cash and debated th...

I hear you on skipping the panic step, but honestly, is it even possible? When we refinanced, I thought I'd learned my lesson... until the lender casu...

Yeah, FMERR was great while it lasted—my neighbor refinanced through it and couldn't stop raving about how smooth it was. I looked into it too, but by...

When we first bought our place, I seriously considered an ARM. The initial rates looked super tempting, especially since we figured we'd probably move...

Ha, reading this gave me flashbacks to when I refinanced my mortgage last year. They promised it would be "quick and painless," but it felt more like ...