|Joey was sure to pick out some extras for his "bludders" Dan & Jack.|
Then the phone rang. It was Joe.
Hey, Dennis just told me that mortgage rates just hit an all-time low. Can you look into that today? Maybe we can do a refinance?
Curses. Dennis is Joe's best friend and a very nice guy, but he just mucked up my entire day. I put down my window gels and sat down at the computer, looking up various banks and requesting quotes. I really wasn't up for the task, but Joe knew full well that I am physically incapable of ignoring money-saving opportunities. It's why I buy in bulk. It's why I shop Goodwill. It's why I need medicine.
On a whim, I called Archer Bank. The guy quoted me 3.95% I nearly laughed. That can't be right.
Me: That's on a 30-year?
Mortgage Guy: Yup.
Me: No points?
Mortgage Guy: Nope.
Me: You guys are actually making money on this?
Mortgage Guy: Not really.
Me: What do I need to do to lock in that rate?
Mortgage Guy: (and I'm paraphrasing here): You need to get me a sh*tload of paperwork within the next couple of hours and drop off an application because these rates aren't set in stone. They can change in like 3 minutes. Maybe even a minute and a half. Now GO!
Me: Sh*t. Sh*t. Sh*t.
I knew I hadn't filed any of my important paperwork in like a year. Now I was in the position of having to locate 2 years worth of tax returns, pay stubs, insurance documents, and bank statements in a mountain of stuff that included drawings from the boys, medical receipts, bills, school notices, and ripped-out Box Tops for Education.
|Stupid File Pile.|
It took me 3 hours and 6 phone calls to Joe to find all of the paperwork required. Then my printer broke. So I cried. If any of my neighbors were around, I am sure they could describe the sounds of a sobbing woman talking about her window gels in the house next door.
|I bought my window gels at the end of last Halloween season for like a nickel!|
So we are apparently locked in at a really great rate that will allow us enough extra money to perhaps buy Danny some new pajamas that aren't 3 inches too short on him. In typical Joe fashion, I got a scolding for not feeling overly blessed at being in a position where we can actually take advantage of these great rates. Joe always likes to point out that people are suffering in the world and I need to be happier and more appreciative.
Hogwash. I'm too sardonic to be grateful. Plus, I know about suffering. I used to walk 2 miles to work every day. In the snow. Uphill. In heels.
Geez I gotta get back on that plan. Being a size 8 was awesome.
Gotta go. 10 minutes to Wapner.