Yeah, HARP wrapped up around 2018 or so. But like you mentioned, HIRO's a decent alternative if you're underwater. Regular refis can be surprisingly f...

I've had mixed experiences with smaller lenders, honestly. While internal processes and individual loan officers definitely play a role, sometimes sma...

I've definitely noticed appraisal delays creeping up lately, but honestly, it seems more lender-specific than anything else. Had one deal recently whe...

Good points here, especially about avoiding the HGTV trap. I've seen plenty of homeowners get caught up in trendy remodels that don't add lasting valu...

Good point about equity timelines—people often overlook that. Another thing I've seen trip people up is closing costs. Sometimes lenders roll them int...

Sleeping on it is underrated—you'd be surprised how much clearer things seem the next morning. One thing that's really helped me, especially with bigg...