Just going to point out that there are very real cases where one may want a mortgage larger than they want at least temporarily. For example, buying a home and

Just going to point out that there are very real cases where one may want a mortgage larger than they want at least temporarily. For example, buying a home and selling another. If you want to minimize risk, easier to sell the old one, take a mortgage on the new one, and then clean things up once the dust settles. At least for cities like Seattle, that’s been basically the only way to sell a home and buy a new one without assuming a ton of risk.