That cracked me up because it’s honestly not far off. When I refinanced last year, they flagged a $100 birthday check from my aunt. Meanwhile, I shift...

I’ve run into that too, and honestly, it feels like a total crapshoot sometimes. One time I had two applications going at once (don’t recommend, heada...

Couldn’t agree more with what’s been said here. Having gone through the mortgage process a few times now, it’s wild how much the credit score only get...

Yeah, I hear you on that. I actually switched lenders once (not by choice—my original guy left the company halfway through) and it was a paperwork nig...

Yeah, recasting can be a bit of a minefield. My lender wanted a $250 fee and a minimum lump sum payment—think it was around $10k. Not terrible, but de...

Totally agree on having a backup plan—learned that lesson the hard way myself. But I'd also say it's worth digging deeper into why the appraisal came ...

Yeah, the randomness of refinancing timelines is spot-on. Pretty much this. When I refinanced a couple years back, I swear it felt like the underw...

Definitely get the appeal of ditching PMI early—who doesn't want fewer monthly bills? But when I ran my numbers, I realized that investing that extra ...

Automating payments definitely makes sense, especially if you're worried about losing momentum. But I'd also suggest running the numbers carefully bef...

Totally get your point about liquidity—it's saved me more than once. But another angle worth considering is how long you're planning to hold onto the ...