Cutting back on small indulgences definitely adds up over time—smart move. Curious though, have you considered whether tapping into home equity might'...

Good points raised here, especially about the closing costs. I've seen cases where refinancing made sense even within a shorter timeframe, but it heav...

Good observation about insulation being the weak link—it's easy to overlook how interconnected these things are. I've seen clients invest heavily in n...

Mortgage rates have definitely been a rollercoaster lately—you're right about that. While I agree credit unions tend to be more stable, I've noticed e...

I've noticed lenders can get pretty hung up on income-based repayment plans too—it's almost like they see "income-based" and instantly imagine worst-c...