If you get an honest quote from one lender on Monday and another on Wednesday and rates moved down slightly during that time, of course lender A is going to seem more expensive; however the lower rate or pricing may be due to market fluctuations.  

I would like to get a mortgage on the house as the HELC is a fluctuating line of credit at prime +1 and would prefer a 30 year mortgage.

If actual use is $100 per occupant then I bump it 15 - 20% to cover fluctuations or waste.2.

The range is for whether or not the house already has duct work, model choice, and regional price fluctuation. 

Water leaks can be very expensive so you have to monitor readings and investigate any fluctuations.  

Prices should fluctuate all year round based on peak vs slow seasons etc. 

I don’t have to worry about the economic fluctuations that affect the market indexes and overall sentiment from other stock market participants.

Yes, it is like game, but daily i find it to extreme, since it would fluctuate a lot with some big expenses, unless you make daily a lot of money.

The HOA on the townhomes tend to be lower with less fluctuation.

Plus, with the stock market fluctuating a lot, people on the high end may not feel as certain about how much money/stock they have or will have to purchase an expensive home.