We’ve been talking about remodeling the house for a couple of years.
This summer we went beyond just talk. Like seemingly everyone else
in California, we took advantage of increased property values and decreased
mortgage rates and refinanced, taking equity out (i.e. going further into
debt) to finance a (rather extensive) remodel. In a case of impeccably
bad timing, we will now be competing for city approvals, building materials,
and contractors with hundreds of people who lost their houses in the October