I get where you’re coming from, especially about needing to address the habits behind the debt. But I’d push back a bit on the idea that cutting up ca...

Title: Is now a dumb time to refi or should I wait it out? Rate lock expirations are brutal—been there myself, and the extension fees can really stin...

I get where you’re coming from, but I’ve actually had better luck with direct phone calls—especially when I can get a supervisor on the line. Written ...

Title: When a fixed rate just won’t cut it: a mortgage adventure You're spot on about spreadsheets—they've saved me from more than one headache over ...

That’s pretty much the story of real estate, isn’t it? I’ve been burned a couple times trying to wait for the “right” moment—once held off on a no-doc...