"In our short-attention-span-theater world, it's easy to lose perspective on mortgage rates. Like a shopping cart with a bad wheel, we have a natural tendency to pull our expectations in a direction that may not track reality."
"As a pilot, you're taught to trust your instruments, not your feelings. With financial matters, we should trust the data, not the gut."
"The Refinance Refrain... finds its voice when a client opts for a disadvantageous long-term rate because they are planning to refinance when rates come back down next year."
"If you plan to hold your mortgage for a longer period (usually 3.5 to 4 years or more), it's better to pay some amount of discount points and earn your money back over the duration of the loan."
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