I get what you're saying, but honestly, isn't it more about reading the lender's communication style? Some lenders seem to appreciate directness right...

That's a good point about refinancing. When we refinanced last year, I figured it'd be straightforward since we'd lived here for years without any bou...

Yeah, I had something similar happen when we refinanced a couple years back. My credit report had an old credit card listed as open, even though I'd c...

Is it really fair to dismiss HARP entirely based on one client's experience, though? I mean, yeah, paperwork can be a headache, but didn't HARP help a...

Yeah, I tend to agree with your take. It's tricky because inspectors recommended by realtors have a built-in incentive to keep the realtor happy—repea...

Good point about leaving wiggle room, but I'm curious—did refinancing actually save you enough each month to justify the hassle and closing costs? I'v...

I've been wondering about this too—does backing off really help, or is it just coincidence? I mean, it makes sense that pushing too hard can annoy peo...

Yeah, refinancing definitely helped me too, but did you find the closing costs worth it? Took me a while to break even. Still, seeing the principal fi...

Interesting points raised here. I've always wondered—doesn't it depend heavily on the seller's situation too? When we bought our place, the seller was...

Yeah, pre-approval isn't foolproof. I refinanced last year and even with everything lined up neatly, the lender suddenly wanted extra paperwork at the...