Haha, this is spot-on. When I refinanced, they grilled me about a $50 birthday gift deposit from my mom but completely ignored a larger freelance paym...

Good points all around. I've personally refinanced twice—once into a fixed-rate and once into a HELOC—and each had its pros and cons: - Fixed-rate fo...

Been there myself with a roof replacement...ouch. Refinancing did shift my timeline slightly, but honestly, the breathing room it gave me financially ...

Yeah, those small transactions can really trip things up. Had a lender once question a random $40 Zelle payment from months before—turned out it was j...

Good points there—life definitely has a way of throwing curveballs. A few years back, I refinanced into an ARM thinking I'd sell before the rate adjus...

Totally relate to this. When I first bought my place, I skipped pre-approval thinking it was just paperwork fluff. Ended up wasting weeks drooling ove...