Totally get your point about industry standards—some fees really are unavoidable. But from my experience, it's less about whether they're standard and...

Definitely agree with this. When we bought our lot, it sat empty for almost two years before we built. We planted some bushes and kept the grass trimm...

I totally get the appeal of adjustable rates, especially when the initial rate is lower, but as someone who's refinanced twice now, fixed has always f...