Dear DUmmies,
So you "own" the house, eh? Ask yourself this little question--do you have a mortgage on the place? Yes? Oh, goody. Then tell me, who holds the deed to the property? (Hint: not you.) No, you may have PURCHASED a home and reside therein, but until you have completed the terms of the mortgage, the BANK, not you, "owns" the house. Kinda like the bank holding onto the title of a car until you've paid it off, little shit like that.
Now pretty please, STFU.