Tuesday, March 1, 2011
9 years later
and the ball is rolling.
I moved here nine years ago on the 15th of this month. I was just divorced (after 28 years), trying to recover from life threatening health issues, and post bankruptcy with the spouse prior to the aforementioned divorce. I moved here because I could not afford to buy a house on the east side of Puget Sound, for which I will forever be grateful. Here I got my wonderful little house on 1.33 acres. There I might have been able to get a dump...that would almost qualify to be called a fixer...on a tiny lot...between two busy streets. I'm not really sure how I qualified for a loan, but it was likely because of the settlement from the sale of my half of the house the kids were born in to the ex's girlfriend and her mother.
Anyway...nine years later there are a few things that I want to do within, and without, of the house. It was time to refinance. Interest rates are down. I made the mistake of answering a stupid poll thing on the internet and the phone has been ringing non-stop ever since. Oh, how I hate all this stuff! Today I realized how much easier I might make it for myself by getting re-fi info from the folks holding my mortgage now. So I called.
In typical fashion, I had none of my info in hand, as I thought I was calling for information. Not a huge problem, as he had some of it and I could access assessment value and my bank stuff online. Wrong. Bank had Washington state temporarily down while they updated their programming. Oops. I begin to scramble for bank statements. The stars must have been in alignment as I was able to find the information needed immediately. So I gave him enough info to start the ball rolling and the packet should be here in the next four days. I will be able to cash out enough to do what I want to do and still have a house payment that is substantially less than what I pay now. (That amount will still be going out to the mortgage company on principle unless something comes up.)
I can now tell all those folks that are trying to get my business that it is a done deal. That in itself was worth the half hour on the phone and discomfort that I always feel giving out financial info.
I am a happy camper, and Galena Cardigans will soon have more suitable digs.