Those sneaky fees are the worst, honestly. When I refinanced last year, I swear they tried to slip in a "document preparation fee" that was like $150....

Haha, I feel this so much. I went through almost the exact same thing last year—got sucked into the refinancing rabbit hole after hearing friends brag...

Totally feel you on the "boring" part—when I refinanced, I had to bite the bullet and replace some ancient plumbing. Not exactly Instagram-worthy, but...