I hear you on the peace of mind thing. When we bought our place, we actually went with an ARM because the rate was so much lower at the time, and we f...

Man, that hit home. When I bought my first place, my credit wasn’t much better—let’s just say the rate made me wince every month. Ended up refinancing...

Reserves are such a weird sticking point. I’ve actually had a different experience—my local credit union was willing to count some of my retirement fu...