Yeah, totally agree on the kitchen point—when we refinanced last year, we put some equity into updating ours, and it made a huge difference. Not just ...

That's exactly how we approached it too. When we refinanced last year, we initially considered an ARM because the lower rates were tempting, especiall...

Totally agree with you on this one. When we bought our land, we thought about drilling early too, but after talking to neighbors who had issues like ...

I see your point about crunching numbers, but honestly, sometimes peace of mind outweighs the math. When we refinanced, waiting longer might've saved ...