I was a perfectly healthy, athletic 30 year old woman before this.

I closed on a new house loan several years ago and Suntrust was the third mortgage lender to wind up with the loan by the time I closed.The originating lender was my bank and they knew the builder had failed to due a pretreatment of the soil prior to building the house. the city inspectors didn't require him to do it but we knew it could come up later.

The soil will expand if it is irrigated on a consistent basis.

Also remember, you can sell that stock instantly and have realized cash in your account.A healthy dose of both real estate and the financial markets should do the wallet just fine. my 2 cents, Matt

We fund nationwide and consider 20% as a healthy mark-up.  

You don't want to disturb the soil around old clay pipes unless you understand what your doing.A camera will tell you if its iron or clay and the condition of the pipe.

We hired a soils engineer that did all the compaction testing, etc. and updated the soils report that came with the land. 

According to me the tree is saving you against many things like heat, Soil erosion, UV rays(there are many more pros).

I've found the following, please let me know what I may be missing as far as my numbers.In Utah: healthy market in this city with projected 4+% appreciation projected for next year.

@Jay HinrichsOkay, so if I understand you clearly... develop a healthy relationship with a local lender and get fully vetted/approved prior to any refi attempt?