Notice how evasive you are the moment I start holding your fake story to scrutiny.
First, you said you put 80% down...not sure who does that, and why you didn't just pay it outright.
Then, you said you already owned 80% of it, and took out a loan for the 20% balance...but that is also weird because how did you come to own 80% of the house before taking out the loan for the remaining 20%? Someone gifted you the house, right? That's why you owned 80% of it. You got it in an inheritance, and your father/mother/relative hadn't paid the mortgage off yet.
So you didn't take out a 20% loan...you refinanced the loan the house already had, right?
Admit it, you're making all this up as you go.
I’m going to help you with your remedial reading problemo.
I owned 80% after paying 80% down, the financial institutions call that a gold plated loan.
Still living in squalor in ATL? Sheltering in place?
Boo!
