Yeah, flexibility's huge—ever thought about how refinancing fees factor in? I jumped on a refi once for a slightly lower rate, but after closing costs...

Tried the competing offers thing once... felt like playing poker with sunglasses on backwards. 😂 It did work, sorta, shaved off a tiny bit—but...

Haha, isn't that the truth? When I refinanced a couple years back, they tried to slip in a "document preparation fee." Like, isn't preparing documents...