I've actually dealt with this exact scenario recently when refinancing my home. Here's what I've noticed: - Most lenders these days are pretty comfor...

I learned that lesson the hard way too. Used to think escrow cushions were just banks holding extra cash unnecessarily. Then a storm blew off part of ...

DTI's definitely impressive, but yeah, the cost barrier is real. Hopefully as it becomes more common, insurance companies will catch up. Until then, s...