That's a tough spot, but you're being really considerate. Maybe a morning walk right at 7:30 could help him burn that energy.

Oh man, that exact thing happened to my neighbor last year... water shooting all over the place from some random connection. Those videos make it look so easy, but they never show the weird stuff that can go wrong. Honestly, paying the plumber hurts, but it's still cheaper than fixing water damage later. Sometimes you just have to know when to call in a pro before the simple job gets way worse.

Actually, it's not always about the spread number by itself. The total cost matters more. A 350 spread with no lender fees might beat a 300 spread with big points to pay. Did your broker's quote include all the fees? Sometimes that extra 50 basis points looks different when you see the full picture.