Almost there!

[dancerjodi]

Tomorrow is Friday people, Underworld is opening. This makes me happy. Does anyone want to meet up for it? Where? I'm trying to avoid Fenway, since I'd rather not have to scope out or pay for parking.

I paid bills and don't have much left over at all. This bums me out, I wanted to go get some of the new Halloween stuff at Illuminations like these and these

I'd love to get some of the haunted house stuff, one of the "gothic" cathedral-style candleholders for an end table in our living room, and that wrought iron card table for our den to replace the cheapo folding light oak one we have.

Still, bills are more important. One such bill was the fee for a re-appraisal of our house, here's hoping we can get rid of PMI. Then we'll work on re-writing the terms of our mortgage (will drop down 1.245% of interest). According to the originator at our bank this is not a full re-finance, we'd pay a fee, sign a contract for new terms and then start a new mortgage. Has anyone had experience with this before?

I still need to get some fabric for a new veil for dance class. Here's hoping this sale silk that Synaesthesia told me about means that they are really affordable, I'd love to spend around $3 or so a yard on it :).

Gah, and need to get the zipper replaced on my leather jacket finally. I think I'll drop it off at Walter Dyer tonight.

Somebody stop me! (note to self, pick up "The Mask" DVD at some point too)

Comments

[devina.livejournal.com]

I haven't tried the mortgage slimline, but a refinance guy mentioned it to me on the phone yesetrday, so I'm going to try it with my mortgage company today.

The Mask is one of my favourite movies. :) Yay productive you!

UNDERWORLD

[nazier.livejournal.com]

I thought Bratty and Bun were buying tickets already out near woburn or burlington?

[pir.livejournal.com]

We did a full refinance, dropped 2%. No fees, no points. Used First Horizon (I can give you the local guy's phone number if you'd like to call him) who were recommended by another friend who used them.

[mizdarkgirl.livejournal.com]

Does your family buy Christmas gifts early? Could you drop blantant hints about the lovely iron items?

[lsl.livejournal.com]

We did a re-finance with the same mortgage company. It meant that we didn't have to apply for the laon, we were auto-approved, no appraisal needed etc... It really cut down the costs. Most of the closing costs was escrow money, not fees. We re-financed right after they paid taxes, so the escrow was very low and they needed 12 months of taxes and insurance by closing.

The closing itself was quite easy, they sent a lawyer to our house (at a time of our choosing) and we signed the papers. Fairly painless.

The only gotcha to the process was that they made a mistake on one of the papers on the escrow payment amount. That took a couple of phone calls (that the lawyer made) and another packet of papers sent via fedex the next day (and back) to clear up. Oh, and their estimate on closing costs was high, so they ended up needing less money than they thought. That took a couple of phone calls before the closing date to pin down.

I would suggest that you pay very close attention to the numbers on ALL the papers before you sign them and question anything you don't understand.

Good Luck!

If you've got any questions let me know.

-L