Please, for the love of God Almighty, don’t start gutting your bath, kitchen or other living area before you decide to refinance your home.

Wait until I, you’re professional real estate appraiser, comes through and opines a value for your property. Then, after the report is in your hands, go nuts and dismantle anything you want. There is nothing worse, well, at least it’s not easy, for me to walk into a home that is in the middle of some major renovation work. 90% of lenders want an “As Is” report, especially those who offer “rocket” loans or some such. Just a helpful tip. Please continue your automotive posting.