[bizi]

Dear friends, We have been trying to refinance our home mortgage for the past 2 weeks at least.
and are getting the run around with the interest rate.
WE were quoted 4.25% for a 10 year loan. which is fantastic if this actually happens.
we received paper work in the mail saying that the rate was a floating rate that we had choosen. Which we did not we wanted a locked in rate etc.
I was on the phone with the loan officer for a long time yesterday....I was exasperated....she called me in the middle of my last water color class and I took the call ....and proceeded to give me the run around about the floating rate. I finally said do you want our business???? Change it to a locked in rate other wise we will go else where. But I had to get all angry and yelling at her. It was awful.
she said she would talk to her supervisor again and call me today.
I was so upset that I had to leave the class with out finishing, I needed to get out of there I could not let it go and finish painting so I left. came home still upset, took extra klonipin to calm me down which I never do and had a couple of beers. We have already had them do the apraisal so we would lose money if we went with a different company, I already have a girl friend (loan officer) who is able to lock us in a rate we would lose about $450. So jeff wants to wait and see if they can give us the locked in rate since we already have them as our mortgage holder. You would think they would be treating us better!!!!!!!!
anyway no call this evening.....~sigh
I am not good with numbers but if our loan amount is to be paid off in 9 1/2 years the way we have been paying on it and its at 6.6% interest rate. going to a 4.25% rate is much better except for the $3,500 closing costs. Part of me says it is not worth it.
jeff said he would intervene....I felt all out of sorts and getting hypomanic about it...
bizi