The interest rate on my HELOC is adjustable and linked to Prime (currently 3.5%), no spread.  

Will require some minor adjusting of electrical outlets (pulling them out a bit) to accommodate backsplash tile.

They risk adjust loan rates by adding to the rate and spread which they will receive based on the underwriting which is a review and assessment of the probability and recoverable of the principal being lent out.

The whole idea of using an independent adjuster rather than the insurance company's adjuster makes sense but I've never gone through this process with one.

Also, the bank's rep isn't changing the value of the judgment, they are simply adjusting the price , and therefore the amount of loss they are willing to take, that they will let it go for at the auction. 

Some lenders will underestimate escrow and then it will be adjusted up at closing.Hope this helps.Upen Patel

My insurance company called an independent adjuster and the contractor I choose worked directly with the adjuster under the PM.

Inflation will erode the value of long-term, fixed-rate debt and extra payments will decrease adjustable-rate mortgages if that is how things are financed.  

I've had to adjust my inventory sourcing/marketing because pretty much anything that's listed isn't working. 

Probably would have made a few adjustments on a little more sleep.Thanks again if ever I can help any of you in any way please feel free to direct message, text, call or email me.Best Regards,JK