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Mortgage Update

Less than a week after I submitted our refi application online, the appraisal company called to set an appointment.  They came out a few days later.  The appraisal was completed in under a week.   Unfortunately, the appraisal came in a bit higher than we needed it to.  However, I did notice some errors (fence and [...]

The Mortgage Process Continues

Well, this past week I’ve faxed and e-mailed numerous forms to PenFed for our refi application.  The appraiser came on Thursday and said his report should be completed his coming week.  I must admit that’s the part I’m most nervous about.  Like a lot of people, our house is worth less than we paid for [...]

What’s Next

I’ve pretty much given up on trying to reduce our expenses. We’re fortunate to be able to save a lot of money in addition to meeting our obligations so I’ve decided not to worrry about it. However, I am concerned about debt reduction, specifically our mortgage. I want Mr. Savvy and I to be able [...]

Almost There!

photo credit: dview.us
I’m so close I can taste it.  Today is payday so I sent a chunk of money to the car loan.  God willing, I should make the last payment in two weeks.  Though I haven’t been as good as I could be (still don’t bring my lunch to work), I’ve done a [...]

Happy New Year

photo credit: jurvetson

Happy New Year to everyone! The partying is over and now it’s time to head back into reality. I start back at work and school on Monday. I didn’t make any resolutions but I do have a few financial goals for 2010. Unfortunately, I may be stymied by [...]

Stupid Money Tricks

photo credit: goto10
In my zeal to get rid of all my ‘excess’ bank accounts, I forgot one small detail…the mortgage comes out of the ING checking account.  I had already transferred all the money out when the December payment posted, or at least tried to post.  Of course, ING rejected the payment and sent [...]

Nothing Much

I forgot to announce the winner of last week’s book giveaway!  Product Junkie Diva, please e-mail me with your mailing address.
Tax season can be somewhat busy for me.  In addition, I recently returned from a long weekend of skiing.  Therefore, I haven’t been doing much with  my personal finances.  I have noticed that mortgage rates are [...]

No Go on the Refi

Well I talked to our credit union loan officer on Friday afternoon.  She said they (the credit union) are not writing many loans for more than 90% LTV.  In addition, she stated that since we bought our house only two years ago, it would most likely appraise for ~$20K less than we paid for it.  [...]