This was a day. First, we decided to refi the house—if you’re a homeowner with loans handled by Freddy Mac or Fannie Mae, with interest in the 5’s or higher, there are some special provisions that let you do some revision of your interest rate, ie, lower it, which can lower your monthly house payment; and if you are in the 5’s, it would be well to talk this over with your mortgage company and keep your eye on the rates. Basically they wave their hands over it, you get a couple of upfront charges which can be folded back into the loan, but because they’ve already got the mortgage, if you can accept their valuation, based on statistics, you and they can come to a new agreement and you don’t pay a dime out of pocket. If we get what we’re aiming at, it’ll save us about 40.00 a month. <\/p>\n
The catch came when they intended to run a credit check—remember when Oklahoma decided I’m an oil baron instead of a writer (only oil wells have royalties, right? Yeah.) Well, this has somewhat impacted my rating, because the mistaken lien was filed in May, but the letter from the state saying “Ooopsie, oopsie! our<\/em> bad!” didn’t get filed until August. So…any credit reporting done based on A, may not have gotten B yet. But we think we’ll still squeak through, though it may cost us a bit. I hate mindless clerical screwups that just mess up records and take forever to mop up. <\/p>\n And Jane and I went to eat at our favorite Chinese place and it had mutated. Everything had onion in it and so far I’m on two drugs, dunno how Jane’s doing on that score, and we had to cut our shopping trip short.<\/p>\n But…because I was under the weather from lunch, I went to bed for a while. Now Sei’s sort of lived under the bureau. But after a little bribe of kibble in a dish in my room (oh, we have NO principles)—he decided after several tries that the middle of my bed was a good place for a nap. It was very nice, even if he did keep the center of the bed. What do you expect? He’s a cat.<\/p>\n","protected":false},"excerpt":{"rendered":" This was a day. First, we decided to refi the house—if you’re a homeowner with loans handled by Freddy Mac or Fannie Mae, with interest in the 5’s or higher, there are some special provisions that let you do some revision of your interest rate, ie, lower it, which can lower your monthly house payment; […]<\/p>\n","protected":false},"author":751,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","ngg_post_thumbnail":0,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-3230","post","type-post","status-publish","format-standard","hentry","category-journal"],"_links":{"self":[{"href":"https:\/\/www.cherryh.com\/WaveWithoutAShore\/wp-json\/wp\/v2\/posts\/3230","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.cherryh.com\/WaveWithoutAShore\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.cherryh.com\/WaveWithoutAShore\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.cherryh.com\/WaveWithoutAShore\/wp-json\/wp\/v2\/users\/751"}],"replies":[{"embeddable":true,"href":"https:\/\/www.cherryh.com\/WaveWithoutAShore\/wp-json\/wp\/v2\/comments?post=3230"}],"version-history":[{"count":0,"href":"https:\/\/www.cherryh.com\/WaveWithoutAShore\/wp-json\/wp\/v2\/posts\/3230\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.cherryh.com\/WaveWithoutAShore\/wp-json\/wp\/v2\/media?parent=3230"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.cherryh.com\/WaveWithoutAShore\/wp-json\/wp\/v2\/categories?post=3230"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.cherryh.com\/WaveWithoutAShore\/wp-json\/wp\/v2\/tags?post=3230"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}