Believe it or not, some lenders still sneak that in there—it's rare, but definitely not extinct. I ran into one just last year when refinancing a proj...

Yeah, totally get what you're saying about fridges—had a couple used ones conk out on me way sooner than expected. But honestly, I've had decent luck ...

Totally agree on padding the timeline a bit—banks move at their own pace, no matter how organized you are. One thing I've found useful is to keep a ru...