Hmmm - 12th year of ER - 2005 Katrina - moved 1000 miles inland to Missouri.
Put together 20% down from my cash/taxible accounts/stocks on an 85k house, 30 yr fixed. Did not ding my IRA. 2006 lost discipline and dinged IRA to remodel/furnish etc and do extra travel cause I felt mortal after Katrina.
Don't know if that helps.
heh heh heh -
. We have had long mortgage/pay off the house threads in the past. In the end I just contemplated my navel and did what floated 'my boat.'
P.S. - Countrywide. They were interested in my Vanguard IRA stash and my credit rating. 5.78% sept 2005.