Crystin Liboma's childhood dream was to own a home. At 26 years old, she moved out of her parents' house into her first home purchase in Delaware. Then, she was slammed with major home repairs that left her struggling to pay her mortgage and several thousand dollars in credit card debt. Three years after buying her first home in 2017, Liboma found relief in the form of a mortgage refinance. By refinancing from a mid-4%, 30-year mortgage to a 3.38%, 20-year mortgage, Liboma set herself on stronger financi ...