Interesting points, but honestly, I've had mixed experiences with smaller lenders. Yeah, they're usually easier to reach and you get a real person on ...

When we refinanced, I thought seeing the principal drop would be a huge motivator too, but honestly, life kept throwing curveballs—like when our water...

Yeah, lenders definitely scrutinize payment history closely. When I tried getting rid of PMI a couple years back, the appraisal wasn't even the main i...

I get the logic behind waiting it out, but sometimes life circumstances just don't line up neatly, y'know? When my sister went through bankruptcy a fe...

Totally get where you're coming from—when I refinanced a couple years back, it felt like they wanted everything short of my kindergarten report cards....