My assumption is you are in overages on renovations which may need to be drastically cut back. 

But please don't let them talk you into cutting down a healthy tree. 

But with COVID and higher rates I know a lot of banks/credit unions have cut back on some of their products, so I guess PenFed did too.If you are based in FL you can try Space Coast Credit Union.

If you locked in a better interest rate when you bought the house then you might end up loosing it  and replacing it with the current higher interest which could cut into your cashflow. 

The granite was cheap - around $300 for an 8' x 25" slab, which I cut and finished myself.

Cutting out the cabinetry to fit the oven exactly will be impractical and probably look terrible. 

a dozen or more times.Bad surprises - The basement flooded, which meant water got into and messed up the furnace in late December, crazy rain and windstorms meant water getting through the new roof and leaking into the ceilings, a family of skunks found their way underneath the house, joists in the basement were cut out for a water line, which needed some structural repair before the bathroom could be completed.  

Lots of landlords just leave it to the tenant.Major outdoor things like cutting down trees or similar: landlord.

They changed it over to cards from coins which cut down on thefts. 

I just asked if they can release it immediately because I need to make the wire cut off in the next 30 mins.