Not every refinance offer is what it seems. A few years ago, a client came to me ready to sign a refinance loan that looked great on paper. The promise was lower payments and fast approval. But when we reviewed the details together, the numbers told a different story. The refinance would have cost her thousands of dollars in unnecessary fees and long-term interest. The lender pushing it was focused on commission—not the client’s financial future. We ran a full analysis, compa