Interesting you mention the 22% equity requirement. From my understanding, lenders typically stick pretty closely to that 20% benchmark—at least that'...

We ran into something similar when refinancing a couple years ago. Our garage was built decades before we bought the place, and turns out it was about...

I had a similar experience when refinancing my home last year. Even though I'd been with the same bank for over a decade, they still treated me like a...

That's a good point about looking beyond just the interest rate. When I refinanced last year, I initially hesitated because the rate drop wasn't huge,...

I've been thinking about this too, especially since I refinanced into an ARM a couple years back when rates were super low. At the time, it seemed lik...

Had a similar experience refinancing last year—thought escrow would simplify things, but the lender missed a signature line on the escrow docs. Small ...

This reminds me of when we refinanced our home a couple years back. We debated upgrading our kitchen appliances and cabinets before the appraisal. I r...

Refinanced my home last year and had a similar experience—felt completely out of depth with all the jargon. It's surprising how little practical finan...