I hear you on the maintenance surprises. When I refinanced last year to lock in a low rate, I thought I’d have more wiggle room for upgrades. Instead,...

That hits home. When we refinanced last year, I thought I’d scored a deal switching insurers—until I tried to add coverage for our old shed and got hi...

RIDING THE RATE ROLLERCOASTER WITH ADJUSTABLE MORTGAGES I get where you’re coming from—those docs are a headache and a half. But honestly, I went the...

Haha, seriously! When we refinanced, I remember panicking because we replaced our broken fridge a week before closing. Thought we'd blown the whole th...

I totally see your point about patience paying off—it's definitely true in many cases. When I refinanced my place a couple years back, I was in a simi...