- Good points, but I'm still wondering—aren't there caps on how much an ARM can increase after the initial period? - Also, does anyone know if refinan...

Fair points, but sometimes depreciation calculations do matter—especially if you're refinancing or insuring your home. Banks and insurers often rely o...

Totally get the skepticism—been there myself. A few months ago I tried one of these free credit counseling things before refinancing, fully expecting ...