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Changing my game plan

November 6th, 2012 at 11:45 am

Update - The people that I was doing the refinance with..I let go! It kept dragging on and on. Over charged $25 on the appraisal. $15 charge showed up on my mortgage (from them requesting to see my original note). My insurance company stopped taking my house insurance payment. When I called to inquire why they said that the refinance people said that it would be in escrow. All of this without notifying me before hand! Then a girl from the refi place called me at work and was very rude. Enough was enough. I am proud of myself to have walk away power.

My new game plan is to pay down my second loan that has the high interest rate with any extra money left from my paycheck. Any large sums of money that I come across (bonus and taxes) will go toward some type of home improvement.

Tonight I'm going to Home Depot to take a look at exterior and interior paint samples. Then tonight I will be on pininterest. My stepdad's present to me a few years back was to have my house painted by his crew. He said that he can have them do it the end of this week. Which means I better hurry up and get info over to my association lady.

Thanksgiving week I am off of work and I am thinking about painting the inside of the house. It's just a thought right now. I don't want to get too carried away.

By next year I will decide if I want to refinance or sale.

3 Responses to “Changing my game plan”

  1. snafu Says:

    I hope it's ok to suggest it might be in your interest to tolerate rude bank staff if it saves huge sums in interest by refinancing your current mortgages. You've already paid for appraisal and the HARP program was created to benefit people like yourself. If your particular bank is a horror to deal with you might inquire at a Credit Union or a smaller, local bank who wants mortgage business.

    Perhaps use some Thanksgiving holiday time to run the figures to tote up the dollar savings.

  2. creditcardfree Says:

    Paint is a great way to spruce up your home! Enjoy.

  3. SecretarySaving Says:

    snafu - Appraisal was $140K and I owe $111,118. They were offering me a $123K loan with 3.25% that is with me buying points. They would be combining my two loans together and for a shorter term. My credit score is now in the high 500's. So I want to take the next year to rebuild my credit. The whole time I was working with these people I just had a bad vibe and then kept telling myself one more thing and I'm done.

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