This has worked to change our culture.In another book from a completely different perspective, Alvin Toffler in Future Shock said in 1970 that he expected that people would generally become more and more high-touch, more disconnected in their social relationships, less willing to listen carefully.

@Aaron Mazzrillo Your comment about being in denial really touched a nerve with me. 

But there are plenty of areas I wouldn't touch in Spain as there are many areas you wouldn't touch in the US.

to have access to someone that has done it on a property that at least the corners touch would know virtually all the answers for me to do the same thing to my property.Tic of course has even less issues because the jurisdiction is not significantly involved but it has financing hurdles to overcome.Question is how painless will San Jose make the process?  

The best rate is, more than likely, the one that the property currently has.Helocs and Second Mortgages can go up to a 95% CLTV and though it will have a higher rate than a full refi, its worth comparing the average blended rate vs a full refi at todays rates.I wouldnt be the one to help you in Illinois but I can put you in touch with someone else within my company.

Shoot me a DM or a text (number in signature of this post) and I'm happy to put you in touch with my financing referrals who will take good care of you. 

thankful for any feed back I would not touch it.

I can tell you a reinstatement and a payoff quote come from the same department in a bank and, follow the same parameters per federal rule.Maybe it's pulling off a touch down with 1 minute to go but sounds like maybe scoring on the wrong end of the field. 

People still tell me I should never touch my retirement account $ to buy RE, but I disagree.

I wouldnt touch this at all - what's the point?