Half of a percent is nothing and you have the rate locked in longer.

https://www.har.com/content/newsroom/Houston Real Estate Highlights in November:• Single-family home sales increased for a sixth consecutive month, surging 25.6 percent year-over-year with 7,990 units sold;• The Days on Market (DOM) figure for single-family homes dropped from 59 to 46;• Total property sales shot up 28.1 percent with 9,660 units sold;• Total dollar volume jumped 43.9 percent to $3.1 billion;• The single-family average price achieved a record high, rising 15.0 percent to $341,765; • The single-family median price climbed 12.0 percent to $270,000 – the second highest median price of all time; • Single-family homes months of inventory registered a 2.2-months supply, down from 3.6 months last November and below the national inventory of 2.5 months;• Townhome/condominium sales jumped 23.4 percent with the average price up 2.5 percent to $224,130 and the median price up 11.8 percent to $190,000;• Single-family home rentals fell 11.1 percent with the average rent down 5.5 percent to $1,882; • Townhome/condominium leases declined 4.0 percent with the average rent up 11.5 percent to $1,674.

Foreclosure Market Report,” which shows there were a total of 10,042 properties with foreclosure filings (i.e. default notices, scheduled auctions or bank repossessions) in November 2020, down 14 percent from October.

Use brands with lifetime warranties like Delta or Moen.

You can save 20% percent on material costs but material costs are only 30-40 percent of the cost so in the grand scheme of things you aren't saving as much on the overall project that you would think. 

According to the Federal Reserve Bank in Dallas using year-to-date (YTD) data, as of October the Oil and Gas industry saw the largest percent dip of job loss at -32%, while accounting for 1.3% of the Texas workforce.(1)Leisure and hospitality industry saw the next greatest dip in YTD job loss at -22%.

I have not sold a home before ever, so I was looking for a round number or percent to use. 

Doing a refi may make you a motivated buyer in the worst sellers market of our lifetimes. 

But you can work with your accountant to make it part of her lifetime gift exemption.

It isn't the market value, but mostly goes off the age of the home, and what percent your are insuring it at compared to replacement value.