Well, it actually worked. I managed to scam the bank into giving me $20,000 AND lower monthly payments on my mortgage! OK, really we just refinanced our loan for a lower interest rate and got rid of our monthly Private Mortgage Insurance (PMI) payment because the equity in our home has almost doubled in the three years we’ve lived here. But the long and the short of it is: I got a check for $20,000 today! Woo hoo! So the remodel is officially funded and the old kitchen had better get ready to duck and cover. Next: the Planning Phase, and after that Demolition, baby!