Archive for March, 2022

End of March

Saturday, March 26th, 2022
  1. Refinance is good to go. All documentation and credit reports have been checked and passed. Final paperwork has been submitted. After it is approved, we go in to pick interest rates and sign new title / deed.
  2. My job: Still no working job title. Did find out that in the state of California, if you have an apartment complex with 12 units or more (this has 18), that someone is required to live on site. Not sure why I cannot get a job description to match.
  3. Tigger: Good. Happy. Sunbeams are back. He is loving sitting in his box in the window. He is losing his winter coats which is difficult for me. There is so much hair to clean up.
  4. Doctor: I still do not have one.
  5. Insurance: I still have it. No doctor basically means my only options are walk-in clinics and/or ER.
  6. OBGYN: Got all my tests results back on my body / boobs. Everything is good and within normal ranges.
  7. Depression / Anxiety: I still struggle a lot with this. Being able to walk around in public without a mask on is helping me a ton.

Refinance

Tuesday, March 8th, 2022

1.) It got approved. Over the weekend, I signed all the e-documents for both Jack and I.

2.) It is significantly a help. Most of the credit debit will be paid off while our home loan drops by half-a-percentage point and the home payment goes up by less than $100 (including taxes and fees on the home). It is also a fifteen-year loan rather than a thirty.

3.) Since we are using the same company, home owner’s insurance does not change.

4.) I think we are waiting for the house appraisal? I am somewhat confused because I was able to sign the e-documents beforehand, but maybe that was the step needed for her to send out the appraiser. This is actually the longest part of a home-buying / refinance process in my area as only one lady does most of this county.

5.) Tigger is a -okay. We are getting more sun, so he is sleeping in his window hide-a-bed spot. He is starting to lose his winter coat. Thankfully, I have a pet hair attachment to the vacuum. So much hair.

6.) I still do not have a primary care physician. I give up on finding one in the Eureka/Arcata area. I can drive out to Willow Creek to get a doctor at that location, but I do not have a car. I think that is a four-hour one-way bus drive. I actually should look up what it takes to get there.