I thought refinancing a house was supposed to be easier than buying the house! apparently not! we closed on our refi. at the end of June we are still waiting to get back the money we had in escrow from the old mortgage. I called today and the old mortgage company apologized because they didnt know why a check hadnt been sent yet. So hopefully w/in a week we’ll truly be done dealing w/ the refi. It took such a long time and we keep getting checks from our creditors because the unreliable refi company overpaid on our accts they paid off w/ money from the refi. yes it’s good to get money back but all of that money is money that was added to our new loan to pay off the mortgage and credit accts, so really we are getting cash in hand when that money could have been taken off the total amt of the mortgage. I so hate the company who did our refi and so does Dean, it was the worst experience ever. Apparently the loan officer we were working w/ isnt even w/ the company anymore, and it’s only been a month, it’s no wonder though because he sucked at his job! He so screwed us over and it soooo makes me mad. A word of advice dont mess w/ a pregnant woman’s finances unless you are going to fix them! Argh!
needless to say we are at least more out of debt than we were before the refi but really all we ended up doing was consolidated the debt w/ a lower interest rate. we were hoping to get cash back to do house repairs but the loan officer screwed up so badly that we ended up w/ no money for house repairs, and one of the big balance credit cards we were supposed to pay off we werent able to because they didnt run the numbers right.
ok enough griping about money. I really need to be working on party prep for Caleb’s big 3 year old bash! but I’m not. One thing I’m becoming really good at in this pregnancy is procrastination. I’m either too tired or throwing up to stay on track. but other than that things are going well w/ baby B. I love the new nursery and wish we could use the room now, it’s sooo cute! the room will be in use this weekend when my sister in law and her newborn are here, and possible another new mom will be here w/ her infant, so that was kind of my rush, having all the baby stuff in one room for when my new nephew comes to visit. So really it’s being prepared for Baby B and also having a convenient place for when friends or family w/ new babies come to visit us.
I really need to work on something today, but I doubt I will! Hope everyone is having a good week!
