Haha, this hits way too close to home. When we refinanced our place a couple years back, we found out the hard way that our "friendly handshake" bound...

Went through something similar myself, and yeah, the bigger down payment helped a bit, but honestly it felt like trying to fix a leaky boat with duct ...

I remember when I first looked into HARP refinancing, I nearly bailed at the thought of all the paperwork. But honestly, it turned out way simpler tha...