Good points overall, but ARMs aren't always as risky as they sound. A lot depends on the caps built into the loan—some have pretty tight limits on how...

Had a similar experience myself a couple years back. Was laser-focused on paying down my student loans, and every bonus or spare dollar went straight ...

You're spot on about lenders dragging their feet—seen it happen plenty of times. A few quick points that might help: - Legally, lenders have to autom...

I've actually had pretty good experiences going the credit union route. Refinanced last year through a local CU, and it was refreshingly straightforwa...

A few quick points to consider: - If you're planning to stay in the home longer than 7 years, fixed-rate usually makes more sense. Stability matters,...