Yeah, it's definitely counterintuitive. Closing a card reduces your available credit, which bumps up your utilization ratio—one of the biggest factors...

Yeah, that's the truth. I've seen a lot of folks jump into refinancing thinking it's a guaranteed win, but once you factor in those closing costs and ...

I get the frustration, but honestly, tighter guidelines aren't always a bad thing. Remember '08? I'd rather jump through extra hoops now than see anot...

I've seen appraisal delays like this a few times, but I'm wondering—does it vary much by region or market size? Around here, smaller towns seem quicke...

Good points on closing costs—people overlook those all the time. I'd also suggest checking if refinancing resets your loan term. Lower payments sound ...