It doesn't really matter if your mortgage is sold because the terms stay the same. I think our mortgage has been sold three times, and that's above and beyond the two refis. The securitization of mortgages isn't bad for the homeowner, it's bad for the market; it incentivizes unstable behavior by banks and provides excess cash flow into the market, thereby inflating prices. A 10/90 freakout ratio is appropriate and level-headed. I'll say this: Wayfair is about 150% the quality of Ikea and costs a little less (and you don't have to get it to your house) but both companies make temporary furniture. legit shelves are far easier than ikea bullshit and drywall anchors are a tool of last resort. this will beat every stud finder at Home Depot because it uses a burly neodymium magnet to find nail heads as opposed to questionable readings of capacitance. Congrats. Keep us posted on your automation adventures.