Honestly, I laughed at the “free calendar and maybe a toaster” bit—credit unions really do have that vibe until you actually need them. I refinanced t...

Honestly, the mortgage world feels like it’s always changing the rules just when you think you’ve got it figured out. I refinanced last year and even ...

Yeah, I hear you—these “special offers” are starting to feel like those “free gift with purchase” deals where the gift is just... a pen. When I refina...

Right? I swear, some of these fees feel like they’re made up on the spot. My lender once tried to sneak in a “document handling surcharge”—whatever th...

Haha, totally relate to this. I dragged my feet on refinancing for months, but after finally doing it, my monthly payments dropped enough to cover a n...

Been there, done that... refinancing FOMO is real, lol. When I refinanced, my credit was decent but not great. Waited about three months to clear up a...

Haha, seriously, this is exactly how it felt for me too. I swear at one point they asked me for a clearer copy of a document I'd already sent three ti...

Haha, council members being human... who'd have guessed, right? I feel you on the patience thing—when we refinanced our place, I swear the paperwork m...

Haha, this reminds me of when I refinanced a couple years back and they asked for proof of my employment at a job I'd left like 8 years ago. I was lik...

Haha, building in a buffer is the real MVP move right there. Man, when we refinanced our place last year, I thought I'd planned for everything—spreads...