Good points, especially about keeping clear records. When we refinanced last year, I had to explain a $40 Venmo payment for pizza delivery during a gr...

Went through something similar when refinancing my house last year: - Had a stable job, decent pay, but felt stuck. - Got offered a tempting startup g...

Went through the same debate last year when refinancing and trying to cut monthly costs. Windows looked good on paper, but the upfront cost was pretty...

Totally agree on the credit history point—had a similar experience myself. Also helps to have your docs organized and ready to go... banks love paperw...