Pre-approval Is a Headache, But Worth It That’s the perfect way to put it. I swear, when I refinanced last year, my lender asked about a $60 Zelle ...

- Totally get wanting that predictability. But, have you looked at how long you plan to stay? - When I refinanced last year, I almost went ARM. The ...

I've refinanced twice, and both times the broker fee breakdowns were like decoding a treasure map. One broker was more upfront, but only after I kept ...

- 100% agree—being nosy pays off. - When I refinanced, I literally had a “courier fee” that disappeared after I asked what it was for. - Not every...

- That’s a good point about the break-even timeline. I ran the numbers for my place and, honestly, the closing costs almost wiped out the benefit for ...

Totally agree with this. Once we got our trust sorted, it was like a weight lifted off our shoulders. But combining a HELOC with a trust...interesting...

Totally agree, it's surprising how many people overlook those little IRS tweaks. I've been looking into refinancing my home equity loan lately, and ho...

Fair points, but honestly, digital portals have saved me a ton of hassle overall. - Had a refinance last year, and the online system let me track ev...

Had something similar happen recently: - Lender asked me to verify employment from a company I worked at 12 years ago. - Company got bought out, HR d...

Good points here, especially about lenders always finding a workaround. Just refinanced myself a couple months ago, and even with the new rules, I sti...

I've been through something similar, and honestly, I think you're overthinking the rebate part. When we refinanced, we also did some smaller energy up...