CTFO

So we're up for renewal on our mortgage and HSBC offered us a great rate. However, after the assessor came by, our home was valued at 350k, which is 16k less than we paid for it 5 years ago. Now, HSBC is telling us that they can only finance 80% of the current value of our home which means that the other 20%, we have to cover. Now, we're 14k away for that 20% mark and not sure what to do. We were very surprised by what HSBC told us as we had never heard of such a rule. The rep told us that they absolutely cannot increase the loan amount. We live in Alberta. Have any of you run into this issue or heard of that rule? I tried googling it but couldn't find any relevant information. Thank

I've been wondering how biblical literalists would answer this question: did Adam and Eve defecate? If not, did god make their anus magically appear after the fall or did he create them with an anus from the start, knowing full well they'd sin at some point and thus eventually need it? Basically, it's like asking "is the god of the bible an asshole or is he an asshole?" For the ex-biblical literalists out there, how do you think you would have answered back in your non-baby eating days?