WIth some luck I'll have a realtor give me a free appraisal on the house tomorrow,
The only thing I would caution you about here is that a realtor will almost always quote higher than an appraiser b/c they look at what they want to sell it for, not necessarily market value. An appraiser from a bank will likely be a few hundred dollars. If you go to your bank and tell them you want a new mortgage, they may do it for free, and banks generally go low b/c they want to be sure that the collateral isn't overvalued (i.e. they'll get their money if you default).
So much to think about! Stay cool.
Nicola
Life isn't about finding yourself; it's about creating yourself My thread: Trusting God's Plan