This job is making me forget things like birthdays. Sorry I'm late.
Today was refinance day. I went to my meeting with WasMu with all my papers in hand. The mortgage broker finally stopped asking for paper, saying you have plenty of assets. We don't need any more proof. So he calmly locked us in at 4.25 %. The 15 year mortgage means we spend $9 more then what we are spending with our current 30 year mortgage. The 30 year mortgage was at 4.65, the number you see bandied about in the news.
The experience was SOOOOOO different then my experience with Stage Coaches Inc. Stage Coaches, Our current mortgage holder, wanted to lock us into a 30 year 5.25% mortgage "and you have to do this fast because it's going up tomorrow! And don't waste my time if you're not going to do this." And get this... The 15 year mortgage would have had a 6.25% rate. Our current rate with them is 6.50%. ...and who ever heard of the 15 year having a HIGHER rate then a 30 year?!?
So he handed me a batch of papers to take to Silverdale for Juli to sign. Juli loves it! Great deal! I stopped at Barnes & Nobel before returning and bought a random book that looked interesting, "The Good Fairies of New York" by Martin Millar, and issue 20 of Nagima
Then Back to WasMu to drop them off. Now we just wait three months and prepaire to answer random questions. It's not like we need to draw money out, so we can wait. Came home with a screaming headache though, and took some aspirin. Fell asleep for a little over an hour.
Juli came home with a scary story. There was an unattended child in a cart at the store. The child's sibling decided he wanted into the cart too, and climbed up on it... tipping it over and smashing the both of them, cart and all, into a glass shelf full of glassware, shattering it all. According to Juli there were large Sword SIzed pieces of glass all over the floor. The kids have some minor cuts only, thank goodness. It must have been a baby sitter tending the kids because she did not come running. She just stood there while others fussed over the kids. She even left the store with the kids in a hurry before anyone could talk to them. Scary.
So tonight we're having breakfast for dinner. Pancakes and meat!