austin_tycho | Nov. 27th, 2002

We talked to bank lady at hub's bank. They seemed to have the best deal among the banks I'm familiar with, and I'm not willing to venture outside of that sphere- there seem to be a lotta lotta 'crazy Earl's refinance your mortgage' websites out there. Anyway, they can give us a full 2 percent less that what we're currently paying. That doesn't sound very exciting, but when she first ran the numbers, it was looking like close to $150 less per month than what we're currently paying. So, yay! Plus no penalties for early/extra payments, which can be applied towards the principle (or is it the principal?). So we gave her the green light.

Well, she started the paperwork, and discovered that we had a home equity loan. Yeah, so what, sez I, not thinking it would make a difference- we'd taken it out a couple of years ago for the flotation tank. Well, if you have borrowed more than 80% of the value of the home, you can't get the good rates, and the loan pushed us over. But! She said 'let me check the latest tax appraisal, maybe the value of your home went up.' She checks, and it did. From $135k to $165k. So we're in, but it may be a case now of just breaking even, with the tax increase that we're getting ready to face come the new year. So, fuck. With the economy in the crapper, how the hell can our house get that much more valuable?

I was lazy for the first half of the day, reading Harry Potter and snoozing and having weird dreams. The second half has been all about picking up, cleaning, and baking cookies. Want a cookie?

Next up, hub's birthday. What the hell am I going to get him, and with Buy Nothing Day the day before... oh well, looks like it'll be fellatio again.