Good point about the "what ifs"... makes me wonder: - Did you end up losing money after fees and closing costs, or did you still break even? - I'm co...

Fair enough, but isn't relying on luck a bit risky? I mean, roofs can go from "aging" to leaking pretty fast, especially in harsh climates. When we re...

Totally agree with your point about inspectors being a wildcard. When we refinanced last year, we decided to pick our own inspector based on a friend'...

Good points here—especially about building an emergency fund first. I refinanced a couple years ago and considered tapping equity for some unexpected ...

I've been tracking my bills pretty closely since refinancing last year, and honestly, the smart thermostat hasn't blown me away either. A few things I...

I've been on both sides—had escrow, skipped escrow. A few thoughts: - Escrow does simplify budgeting, no surprises at tax time. - But...you lose flex...

Good points, but honestly I'm not sure chatting informally beforehand always helps... - Lenders often act differently once you're officially applying...

- Interesting to hear your experience... we're actually considering refinancing for a bathroom remodel right now. - Did you find the bump in home valu...

- Two weeks does sound pretty fast...mine dragged on for almost a month. - Curious, did you go with a local bank or one of the bigger national ones? -...