Every time rates move, the same question comes up: “Should I refinance now or wait?” Most homeowners get this wrong—not because they’re careless, but because they’re looking at the wrong metric. The mortgage industry has trained people to ...
Refinancing is often marketed as a simple decision: rates drop, you refinance, your payment goes down. On the surface, that sounds logical. In practice, this mindset is one of the most expensive mistakes homeowners make over the life ...
Every time rates dip—even a little—the same thing happens. Homeowners rush to refinance. They chase the lower rate.They focus on the smaller payment.They feel like they “won.” And years later, most of them quietly lose. This post is ...
