ahhh the joys of ownership

Im working on refinancing our house out of the current owner financing agreement that we have into a fixed loan. Our current agreement, while great at the time, is still 9%, 3 yr ARM with a balloon, or the ability to keep it with L, just re-negotiate at three years. I don't like ARM's the more I read about them, and Id really like to get out of that 9%-plus it still feels like the house isn't 'ours'.

Fast forward to last week (wrap your brain around that one...) where I contacted a mortgage broker on the advise of a friend of mine at work. She had a really good experience with this person, so I thought "what the heck". I had been working on and off with another guy, but he always wanted to wait for the rates to drop a bit, or for us to have more savings, or for the sunspots to align, or whatever. This went on for a year....

Ive been working on cleaning up our credit, disputing some things and forcing some of the junk debt buyers to actually prove that we owe them anything-legally if they can't prove that you owe them or whomever they puport to work for, they can't collect. A lot of this stuff is from when we first got married or before and the original creditor/company has long since written it off and gotten their money from the writeoff, so they will never get the money from the collection agency. Im not going to pay a collection agency, I never had a contract with them, they never provided a service to me.

I emailed with the lady at H*** where I live, gave her some specifics on the house, our income, etc, and our FICO's and she came back the next day with a 6.5% Fixed FHA for 30 years. Pretty cool, and a lot less than 9%. She sent us the packet and we got it over the weekend, but K had to work, so we haven't had time to look it over. T is looking to have an appraiser in on Thursday.

ZOINKS!

So I spent this weekend mopping, filling nail holes, spackling some dings and scratches in the paint, filling two out of three doorknob holes in the drywall, mowing the front yard, and re-caulking the bathroom shower.

Im a little tired, and a lot sore-I didn't get laundry folded like I wanted to, and the kids probably think im crazy but I explained to them why daddy is crazy right now "PUT THAT CRAYON DOWN" and what this means if we can get the house refinanced "STOP FEEDING THE CATS THE WHOLE BAG IN THE BASEMENT" .

Hopefully they aren't too weirded out. The shower looks good though. I found a three hour siliconized caulk from DAP that cures in 24 hours. Our shower lookes a lot better just from the recaulking, but I really need to put a fan in there or something in addition to the window or just open the window more. 1963 code only says you have to have direct ventilation via forced fan OR window but you aren't required to have both. One of these days ill take out the closet, too.....