Talked to E. this afternoon at work. The movers weren't able to move his furniture today, so he'll be sleeping on a borrowed air mattress tonight (with an electric pump). And the cable won't be turned on till Wednesday. (He shouldn't have waited so long to call them.) He doesn't even have a radio. So I told him he'll just be alone tonight with his thoughts, but then I offered to lend him a boom box. I called him when I got home and left a message. Haven't heard back. Meanwhile, no word from AT&T about the DSL. (Maybe they're checking E.'s credit, etc., since he told me to answer that he had no history with AT&T at the time I was placing his order.)
Today was pretty dead at work. I had two messages from over the weekend from Citibank regarding a query I'd made about refinancing my mortgage, and spent a good part of the day applying for a new mortgage loan at under 4%. Since I no longer have any equity in the property, I qualified for a special government loan (through one of Obama's new programs), 100% financing of the balance on my current loan, with no private mortgage insurance. Closing costs comfortably under $3,000 tops. (The APR will be 4.3%.) Such a deal! Give me those government freebies!
Had to have good credit (best of my three scores was 770 (or maybe higher)). The guy from the bank emailed me three documents for my signature (including the loan application), which he'd filled out on his computer while asking me questions. I emailed those back - signed -along with a copy of both sides of my driver's license, the declaration page from my homeowner's insurance policy (which I'd had faxed to me from the agent), a certificate of insurance for the condominium building, which I got off the EOI website for $19.99 (after first calling the condo manager), and a copy of my revocable trust, which holds the property. (Having the trust is going to up my closing costs by $100 or so.) More on the loan program here.
My current mortgage is a 30-year fixed, at 7%. I'd paid off some of the principal and had only 13 years left to go on it. The guy at the bank got me a 13-year fixed loan at the lower rate, which will save me about $60 a month. Not bad.
Had to have good credit (best of my three scores was 770 (or maybe higher)). The guy from the bank emailed me three documents for my signature (including the loan application), which he'd filled out on his computer while asking me questions. I emailed those back - signed -along with a copy of both sides of my driver's license, the declaration page from my homeowner's insurance policy (which I'd had faxed to me from the agent), a certificate of insurance for the condominium building, which I got off the EOI website for $19.99 (after first calling the condo manager), and a copy of my revocable trust, which holds the property. (Having the trust is going to up my closing costs by $100 or so.) More on the loan program here.
My current mortgage is a 30-year fixed, at 7%. I'd paid off some of the principal and had only 13 years left to go on it. The guy at the bank got me a 13-year fixed loan at the lower rate, which will save me about $60 a month. Not bad.
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