Yeah, outdated systems are frustrating, but honestly, I'd take a slow system over surprise hidden fees any day. Had a lender once sneak in a fee burie...

Caps definitely help, but they're not foolproof. - Caps can still allow pretty significant jumps depending on your initial rate. - Refinancing isn...

I see your point about stability, but I'd be careful about jumping in too soon after bankruptcy. A few things to consider: - Rates might not be ideal...

Yeah, this is exactly why I always tread carefully with assessment appeals. A few years back, I had a similar issue—needed to replace some old windows...

Totally relate to the spreadsheet formatting chaos... been there, done that. A couple things I've learned the hard way: - Always double-check formula...