Promises, promises. That’s all I ever get…
Last weekend I got this hare-brained idea to refinance the house, roll the two remaining debts into the mortgage and then work at getting the house paid off-sole focus. Sounds smart. 4.75% interest for a fixed 15-year mortgage.
I asked Dove to check with the loan officer we last worked with about six years ago and he did on Monday. She called us back, got the gist of what we wanted to do, confirmed data saved from our last transaction and started the paperwork.
We have refinanced about four times (in 22 years) and each time there has been an appraiser come out and check the value of the property. This generally means a walk through the house as well. This would mean they would also be looking into our bedroom. At the wall. That he had nearly pushed a hole through while he was kneeling beside the bed when we do scriptures and prayers every night, back when the sheet-rock was soft from leakage in through the basement window.
Ah… Yes…. You see where this is going! You are very smart. Wednesday morning this thought had crossed my mind so I sent Dove a text message asking if she had said anything about an appraisal, figuring he’d call her on a break during the course of the day. I guess he called her because at the end of the day he responded, and said she said yes there would be an appraisal.
Dove then said that he’d work on patching the hole some that night and go to class Thursday night (he’s taking Biology 1010) and then finish the patch job either Friday night or Saturday.
Actually, with the economy as slow as it is, to get an appointment with an appraiser you do not have to schedule 2-3 weeks out. They come that very week, generally within 2-3 days. Wednesday night at the dinner table the phone rings, Dove answers it, it’s the appraiser, what time this Friday is a good time?-let me have you talk with my wife because I don’t get back into town until 7 p.m. (Big, big mistake on his part. Way big. Here is where he could have said Saturday afternoon.) Phone handed off to me and Pete the appraiser asked what time on Friday, I responded with how late can you come, and he said around 5. So the conversation ended and so began Dove’s quandary.
Never mind that Dove had all last week off as vacation and could have taken care of it then. Never mind that he had all last summer and could have taken care of it then. Where’s the fun in keeping things up, being on top of things, not being caught with your pants down. Naw-this guy thrives on being a fire stomper-wait until there’s pressure-bring it on! Wait until there’s stress-I live for stress! Wait until it’s almost too late.
So Dove was up until 1:20 a.m. working on it Wednesday night/Thursday wee-hours morning. Went to class on Thursday and begged Friday off work so he could fix it. He got our bedroom wall done. He also got the hole in the wall in the grandson’s bedroom repaired as well. Yeah-that would be my old office. That same wall which has had weak wall board under the window for the past 10-15 years. The one he had promised to repair for me 7 years ago. The one these little boys accidentally put something through (foot, knee, toy, something), creating the hole. It's all better now!
I asked Dove to check with the loan officer we last worked with about six years ago and he did on Monday. She called us back, got the gist of what we wanted to do, confirmed data saved from our last transaction and started the paperwork.
We have refinanced about four times (in 22 years) and each time there has been an appraiser come out and check the value of the property. This generally means a walk through the house as well. This would mean they would also be looking into our bedroom. At the wall. That he had nearly pushed a hole through while he was kneeling beside the bed when we do scriptures and prayers every night, back when the sheet-rock was soft from leakage in through the basement window.
Ah… Yes…. You see where this is going! You are very smart. Wednesday morning this thought had crossed my mind so I sent Dove a text message asking if she had said anything about an appraisal, figuring he’d call her on a break during the course of the day. I guess he called her because at the end of the day he responded, and said she said yes there would be an appraisal.
Dove then said that he’d work on patching the hole some that night and go to class Thursday night (he’s taking Biology 1010) and then finish the patch job either Friday night or Saturday.
Actually, with the economy as slow as it is, to get an appointment with an appraiser you do not have to schedule 2-3 weeks out. They come that very week, generally within 2-3 days. Wednesday night at the dinner table the phone rings, Dove answers it, it’s the appraiser, what time this Friday is a good time?-let me have you talk with my wife because I don’t get back into town until 7 p.m. (Big, big mistake on his part. Way big. Here is where he could have said Saturday afternoon.) Phone handed off to me and Pete the appraiser asked what time on Friday, I responded with how late can you come, and he said around 5. So the conversation ended and so began Dove’s quandary.
Never mind that Dove had all last week off as vacation and could have taken care of it then. Never mind that he had all last summer and could have taken care of it then. Where’s the fun in keeping things up, being on top of things, not being caught with your pants down. Naw-this guy thrives on being a fire stomper-wait until there’s pressure-bring it on! Wait until there’s stress-I live for stress! Wait until it’s almost too late.
So Dove was up until 1:20 a.m. working on it Wednesday night/Thursday wee-hours morning. Went to class on Thursday and begged Friday off work so he could fix it. He got our bedroom wall done. He also got the hole in the wall in the grandson’s bedroom repaired as well. Yeah-that would be my old office. That same wall which has had weak wall board under the window for the past 10-15 years. The one he had promised to repair for me 7 years ago. The one these little boys accidentally put something through (foot, knee, toy, something), creating the hole. It's all better now!
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