Owning your own home

FWIW - we're borrowing 75% of what we 'could' borrow.

And Howard was right in that if we 'needed' to find that money we theoretically could, but we didn't want to.

Isn’t that akin to saying that the down valuation had zero impact on you and you didn’t have to stump up any more equity, as the bank would have lent you 33% more anyway?

Seems a bit like bad faith to price chip on that basis.