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Let the payoffs begin?
Jun. 3rd, 2003 12:02 pmI received a call today from a broker in Louisville, KY. I'm awaiting his good-faith estimate, but I may be looking at a 3.625%!! Holy crap!
Holy HOLY crap! Wow.
My monthly payment is about to go up to $588 with the recent property tax hike and some escrow shortage. That's $488ish in P&I plus about $100 in escrow stuff. This broker is telling me that my payments will drop to . . .
*drum roll, please?*
$444
That's P&I + escrow, including the closing costs rolled in (an estimate, of course right now).
The downside is that I'd owe a wee bit more on my house than I do now because the loan amount would be increased by the amount of the closing costs (79k vs. 76k). But, hey! I'd be saving (forgive me) an ass-load of money every month on mortgage payments!! Not to mention the fact that my house has appreciated way way way beyond the amount I owe on the loan :-D
Seems soooooo worth it!
I was very sweet to Mr. James Barker, in hopes that he would do his best work for me. I know he doesn't stand to make more than $300 from doing this loan. I have to hope that making a bright, sweet and pretty gal happy will be incentive enough . . . not that we'll ever meet, so the pretty part is rather useless. Hrmph. I'll just have to work my other wiles, then *wink*
Other payoffs. . . I still know how to clone! In spite of distractions galore, my own benchwork is proceeding, although slowly. Yay! My students are also making progress. Alison has the computer work under control, for the most part. The poor kid is probably a bit bored, as I knew she would be (better thee than me!) but once she finishes the boring part, I'll get her started on the more interesting stuff. Joey has also made a small achievement of which he is apparently quite proud.
Bronwyn,
exoA & WT came out damn good. In freezer in Bronwyn 2 labeled WT 6/3 & exoA 6/3. It only took from 3:00 to 5:00 . . . in the morning!
Joey
Yep, that kid is a future grad student! Sure, he could have avoided being here at that hour by doing some alternative methods, but that's alright. He was determined to get this done. He wanted it, and he wanted it badly. I'm proud of him.
Now, if he'd only show up, we could do the next step and find out just how damn good those cells really are! Heehee
Holy HOLY crap! Wow.
My monthly payment is about to go up to $588 with the recent property tax hike and some escrow shortage. That's $488ish in P&I plus about $100 in escrow stuff. This broker is telling me that my payments will drop to . . .
*drum roll, please?*
$444
That's P&I + escrow, including the closing costs rolled in (an estimate, of course right now).
The downside is that I'd owe a wee bit more on my house than I do now because the loan amount would be increased by the amount of the closing costs (79k vs. 76k). But, hey! I'd be saving (forgive me) an ass-load of money every month on mortgage payments!! Not to mention the fact that my house has appreciated way way way beyond the amount I owe on the loan :-D
Seems soooooo worth it!
I was very sweet to Mr. James Barker, in hopes that he would do his best work for me. I know he doesn't stand to make more than $300 from doing this loan. I have to hope that making a bright, sweet and pretty gal happy will be incentive enough . . . not that we'll ever meet, so the pretty part is rather useless. Hrmph. I'll just have to work my other wiles, then *wink*
Other payoffs. . . I still know how to clone! In spite of distractions galore, my own benchwork is proceeding, although slowly. Yay! My students are also making progress. Alison has the computer work under control, for the most part. The poor kid is probably a bit bored, as I knew she would be (better thee than me!) but once she finishes the boring part, I'll get her started on the more interesting stuff. Joey has also made a small achievement of which he is apparently quite proud.
Bronwyn,
exoA & WT came out damn good. In freezer in Bronwyn 2 labeled WT 6/3 & exoA 6/3. It only took from 3:00 to 5:00 . . . in the morning!
Joey
Yep, that kid is a future grad student! Sure, he could have avoided being here at that hour by doing some alternative methods, but that's alright. He was determined to get this done. He wanted it, and he wanted it badly. I'm proud of him.
Now, if he'd only show up, we could do the next step and find out just how damn good those cells really are! Heehee
