The family finally did get their mortgage straight - about ten days before the auction!

I just wanna cut my losses not ($2,233 already paid for flood insurance, surveys, and elevation certificate) and walk away from the loan. 

Question: I've seen conflicting opinions on whether or not you should accept unlimited applications and application fees at one time or if you should cut it off at 3-5 and process those before accepting any new ones.

I assume most of Biden's tax plan is not going to pass because government will not cut its nose off to spite its face. 

@Crystal Shepherd people weren't offended but the lord of the rings and the hobbit franchise sure wanted their cut to use the name.

However, it becomes that many more accounts to balance at the end of the month, usually another ledger set for that account, another debit card, another set of checkbooks (good luck keeping them straight)Another way to look at it, which is where people get confused, is to be organized you don't need more bank accounts.

Ask Your Agent: This one is fairly straight forward.

That type of issue may keep recurring and you may be forced to cut open walls to replace. 

Ronald Regan, the Gipper, cut regulations and taxes and set us on a rocket ship of prosperity for the next 20 some odd years. 

If so, it will be much easier to get a HELOC or do a straight refinance.If you're confident in your ability to keep the money working and outperforming your interest rates, I'd consider doing a cash-out refinance and fix your interest rate for 30 years instead of a HELOC.