 "The terms of our refinancing gave us a little extra cash to build an add-on to the back of the house." |  "I'm sorry, Mr. and Mrs. Chuckles, but the only thing you seem qualified for is a balloon loan." |  "Well, I inspected the house, and the trap doors, secret passages, and subterranean dungeon are all okay, but I'd look into caulking around the snake pit." |  "Well, it does make the room look larger." |