Ditziness

Could be age....could be exhaustion.   Could be ordinary live intervenes busy-ness.  But somehow, I managed to pay our mortgage twice this month.  Yep!  Realized it when I downloaded from our bank yesterday morning and there was ANOTHER payment for our house.  Yikes!.

Then I had to call our new lender - no, not 'cuz the refinance is going through - the new lender that our current (now former) lender sold our loan to while we were trying to refi with our current (now former) lender - and realized that it is absolutely impossible to get through to a live person.  I finally figured out that they had in fact acknowledged that now September AND October payments are made...so it's fine.  When October gets here (before we know it), I will move that amount back into our savings account and we'll be good as new again.

We thought we were on the path to refinancing until we got decline letters (both of us - sent separately) last Friday.  Came as news to us since we had been on the phone with the 'team' of people only two days before and nothings was mentioned.

J. is refusing to back down and is working with them again (still).  It's ridiculous.  Here's how stupid it is.  We have a pool.  When the pool was built, our loan was for $47K.  (Yes, really.  Cement ponds are very expensive).  We now owe far less than $47K.  Way less.  However, when they underwrite our loan, they are using the $47K as the 'amount of obligation'.  Doesn't matter that it is an installment loan - no open, available credit line to draw on.  We will never 'borrow up' again - 'cuz it's for the water filled hole in our yard that we're not building again.  Doesn't matter that what we actually owe the lender is LESS than that -

Take that same scenario for our equity line (a much higher 'former' limit - 'cuz we haven't been able to 'draw' anything for years as they zeroed out our 'available credit during the financial crisis years) and you can see the issue.  Our ratios are being run using 'limits' that we will never reach again - and don't currently even owe.

There is no 'rational' to this process.  It's like the mortgage industry botched it so badly in the past ten years, they just want to torture all of us with their stupid-ass criteria.

I was totally fine with saying OK, we're done for now.  Had a backup plan all ready that involved waiting until January (new tax year) and taking a chunk of money from retirement savings and paying off the pool and equity line ourselves - then it's just a straight refinance of our primary mortgage....we just want a lower interest rate.  But J. phoned them on Tuesday and the process is still 'in process'. They've re-opened our file and we'll see.  I'm not convinced and at this point, I don't have any emotion left to invest in whatever happens.  We'll figure it out - whatever it is.

J. gave his official notice to his former employer that he is retiring as of December 1st.  That starts a chain of events that will involve a lot of paperwork and stuff to read and consider.  He is filing for Social Security and his pensions as well so come December, we will have income.  Less than his paychecks but still - we will be OK, I think.

Except for the adult son living here who must see an ATM machine every time he looks at us.  He does a gazillion chores and the house is looking pretty spiffy these days - I just don't have income to sustain a $40 per day personal butler/assistant.  Wish I did.

Hey, I do!  His name is J. and he assists me in all things for free!!

I am heading to work super-duper early today 'cuz I still have massive amounts of board prep to finish and today is IT!  Must be done by end of day today or else!

I hope to be done by early afternoon so I can come home.  I want to sleep the entire weekend.
Really.