Yeah, lenders can be stubborn mid-loan. Had a client once who tried renegotiating after three years—solid credit, never missed a payment—but no dice. ...

From what I've seen, it's mostly about lender approval at first. Had a client who waited around 18 months post-bankruptcy—interest rates didn't drop d...

Refinancing can definitely be a smart move, but it's really not one-size-fits-all. Had a client last year who refinanced to a lower rate and shorter t...