I went through something similar last year—waited a couple months to boost my score, and guess what? Rates went up slightly in the meantime, totally c...

Totally agree about automating extra payments—if I didn't set mine up, I'd probably be spending that money on emergency pizza nights or yet another tr...

Haha, this is spot on. Reminds me of when we refinanced a few years back—felt great at first, like we suddenly had breathing room. But then my wife an...

Yeah, lenders can be funny like that—mine acted like I was breaking up with them when I mentioned refinancing elsewhere. Did they at least waive any f...

Haha, your grandma story hits home. When we refinanced a couple years ago, my husband had to explain a random $50 Venmo payment from his buddy labeled...

Totally agree about having a backup—been there, done that, and it's a mess. Another tip: if you're self-employed, sometimes a letter from your account...

Honestly, I'm not sure it's all that surprising. Mortgage rates have always varied a bit state-to-state because local economies and housing markets ar...