November 29, 2011
Refinancing During Holidays - Tastes like Cardboard
Wow. If you looked around here right now - this view would seem like a memory from a very long time ago. Oddly - this was the view on Halloween Day of this year.
Less than a month ago. But today - it looks like winter - already. And it feels like that this morning - as well.
We’ve been scrambling around here. Preparing the house for an FHA Appraisal to refinance the house. Another one of those home ownership “ firsts “ for me.
I’m still owed a night to get flat-dab upside down on a bottle of Tennessee Valley Red Muscadine!
Especially after accomplishing so much with this cow-with-no-legs under my own feet for the better part of the challenge.
If you look behind her - you see a stack of magazines sprawled out on the floor. Ahhhhem… her spitefulness arising from a moment of her not getting her way. She knew I’d just put those there to move a table.
She didn’t care about what we were doing. It was “ Lunch Time “ - and she was hungry!
The girl will be buried with her bowl. Her bestest friend - if she could speak and had to tell the truth!
Anyway - we changed out window treatments in the living room. The panels are a sage suede.
We moved the computer to the spare bedroom. Yayy! Not. We have always kept that room closed off during winter - to save on the bills.
We also decided to leave the two leafs set up on the table. Helps equalize the composition of the room. And we found 6 antique chairs for only $100.00 on Craigslist!
They were part of an estate settlement being oversought by a guy for his grandmother that passed away. We’ve already bought new upholstery fabric for them. We’re going to Lenoir City to have a local upholstery shop cut foam cushions today.
And his grandmother can rest knowing that they've come to a home where folks will take very good care of them!
Now - let me take care of this little task….
“ Shout-out to Sprint! The HTC Evo Takes crappy photos inside my house! “
( I just - needed to get that out of the way. )
So - all the hassle has been worth it.
We were really worried. Okay - I was worried. I was freakin’ out - actually. I’ve never been through any process of refinancing a house before.
And I have nightmares - to this very day - over the absolute torture we went through from the Imbecile FHA Appraiser ( he should have his license pulled ) that did the inspection and appraisal during closing when we first bought this house.
And by the time this new guy left the house - this time… I struggled.
One of the last things he told us was - “ I don’t think you’re gonna be happy with my result. “
The situation with the economy has really done a number on the value of real estate.
Actually - there are only a few morons ( less than you can count on one hand ) that have just totally jacked up all of the economic health of this entire nation - for their own pockets that are dirtier than a huzzie’s bed in a whore house.
And those Warlocks keep getting richer - while we all keep losing our wardrobes.
Common sense only told me that we should not be shocked to find we were considered “ under water “ on the fiscal end of owning our home.
And so - we decided that we would be happy enough at this time - if the value of the appraisal was just high enough to get us approved for the refinancing.
Good News came last night!
And I’m so glad that I took this photo on Halloween evening this year!
We will see the day when it will be impossible to take such a photo - now that we know we’ll be able to move and rebuild the barn - away from the house - without any doubt!
at 7:06 AM