Finally got to speak to a real live person at the mortgage company.  YEAH!!  I am not able to refinance for as much as I thought I could, but it will be helpful none the less.  I will be able to compbine my original loan and second mortgage and pay almost 400.00 dollars a month less with the lower interest rate.  YEAH!! 


I will then use the extra money to pay off my credit cards, then I will look at getting a new vehicle.  That can wait a bit longer.  So tomorrow I will call the mortgage company and complete the application.  It will take 75 days to finish the process he said….but I will lock in at 5.75% for the life of my loan….


Later……time to get home and finish all the laundry and do my weekly cleaning!

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