Totally get it—been there myself. Underwriters really do have a sixth sense for anything remotely quirky. It’s tedious, but: - Clear, boring labels =...

Yeah, the inconsistency can drive you nuts. I’ve been through two refinances in the last five years and both times, even with a pretty straightforward...

Honestly, I get the appeal of ARMs when rates are high and you’re trying to squeeze every dollar. But after my last refi, I realized those “savings” c...

Title: Anyone here trying to buy their first home? This 10-Day Loan Closing Holiday Offer might actually help. That’s the story of my last refi, ho...

Yeah, that “miscellaneous” line item is always a red flag for me. When I went through my last refi, there were a couple of those—one was actually a co...

Totally agree on spreadsheets—they saved me from jumping into a refinance that looked good at first glance but wasn't worth it after factoring in clos...

I refinanced with a credit union last year too—agree about the slower process, mine dragged a bit. But honestly, finally seeing the principal actually...