Owning property as a married couple is accomplished through a "tenancy by the entirety," which is presumed when a married person purchases property.  

Zillow is just an algorithm, and doesn't pay attention to the entirety of the home value.  

I'd like to understand the process in entirety as well and feel this is a sure way for me to do right.   

May I have permission to post it (in its entirety, of course) on my real estate page?

````````````````````````````````````````````````````````````Garn St Germaine(d) Exemption of specified transfers or dispositions With respect to a real property loan secured by a lien on residential real property containing less than five dwelling units, including a lien on the stock allocated to a dwelling unit in a cooperative housing corporation, or on a residential manufactured home, a lender may not exercise its option pursuant to a due-on-sale clause upon— (1) the creation of a lien or other encumbrance subordinate to the lender’s security instrument which does not relate to a transfer of rights of occupancy in the property; (2) the creation of a purchase money security interest for household appliances; (3) a transfer by devise, descent, or operation of law on the death of a joint tenant or tenant by the entirety; (4) the granting of a leasehold interest of three years or less not containing an option to purchase; (5) a transfer to a relative resulting from the death of a borrower; (6) a transfer where the spouse or children of the borrower become an owner of the property; (7) a transfer resulting from a decree of a dissolution of marriage, legal separation agreement, or from an incidental property settlement agreement, by which the spouse of the borrower becomes an owner of the property; (8) a transfer into an inter vivos trust in which the borrower is and remains a beneficiary and which does not relate to a transfer of rights of occupancy in the property; or (9) any other transfer or disposition described in regulations prescribed by the Federal Home Loan Bank Board.

I am inclined to because I don't think they stopped using them, things aren't good between them and I so I'm sure they just kept using them to piss me off.Also, I haven't inspected the unit in its entirety but I did notice marks on the wall from someone scraping something against it.

Once I sell the house; I can pay off the loan in it's entirety and reapply for a new ARM loan for my next project.

Once I sell the house; I can pay off the loan in it's entirety and reapply for a new ARM loan for my next project.

I don't see this as a problem but then again I need to read the legislature in its entirety.

With the Home Equity loan, once you use that loan to make a purchase, you are stuck paying back that loan in its entirety with no additional access to funds.