Have been busy with a surprise out-of-town guest (my brother). And today I leave for Santa Fe with my friends. Will post again next week.
I did, however, manage to get the loan app our mortgage broker sent us yesterday filled out and sent back last night. We closed on this house almost exactly a year ago and tried to refi, unsuccessfully, in Nov ’11. Hoping it works this time.
We’re looking at a no cost loan, which has a slightly higher rate (3.625%) than a loan with closing costs. We never pay closing costs. It’s a full percentage point lower than this time last year and will save us $260/mo, just for the hassle of doing a LOT of paperwork.