Refinancing can definitely be a smart move, especially if you're stuck paying interest-only and feeling like you're spinning your wheels. I had a simi...

Yeah, totally agree with this. I've seen plenty of folks try to cut corners on surveys or checks, and it can really bite you later. Had a project a co...

Totally with you on the break-even point—it's easy to underestimate how long it takes. When I refinanced my place a couple years back, I got caught up...

Yeah, great points here. I actually had a lender once who conveniently "forgot" to mention that I could drop PMI early. I called them up after noticin...

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...