[jumpconc]

Minmaxxing your finances is maladaptive frugality. You have something even better than 1% extra interest in your account: you have no mortgage. You can do whatever the fuck you want to your house and your bank doesn't stick its nose in your business to ensure the value of the house stays up. You can do whatever the fuck you want with your career and you don't have to worry the bank will come and take your house back.

[sokoloff]

When does an existing mortgage lender get involved in a house remodel? (assuming you’re not trying to borrow more money for it)

I’ve owned houses for 30 years and no bank has gotten review of contemplated projects or anything other than appraisals during origination of a mortgage or refinance (which are entirely optional for me, of course).