Kim, your house reminds me soooo much of mine... looks and all!! They've gotta be the same era. Mine was built in 1904. I'm in the semi-historic district (they're working on getting this area/block included with the area across Hamilton Street). So much work. So much money, which I definitely don't have. I can't budget to save my life, and have someone working with me on refinancing my 1st, 2nd and 3rd mortgages/lines of credit. Why they gave me the last one as a VISA card, I'll never know. Way too easy to use the money, and I should have used the majority of it for repairs, which I intended to, but then other things in life got involved. I'm 37.. I should be better at budgeting and stuff at this point.