(no subject)

[tithonium]

Fuck.
Fucking fuck.
Fucking fucking fuck.

edit: fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck fuck.

Comments

[damiana-swan.livejournal.com]

I take it the appraisal was, um, not what you wanted to hear?

*sympathy*

[tithonium.livejournal.com]

Well, it's not off by an order of magnitude or anything, but 80% of the appraised value is significantly less than the total debt on it. I don't think there's any way we can avoid PMI.

[jenk]

Ow. Yes, it's tax-deductible, but ... ow.

[tithonium.livejournal.com]

I don't think the PMI is, is it?

[jenk]

Sometimes it is, sometimes it isn't, same as the mortgage interest. This has info, and of course there's always the Schedule A PDF.

[tithonium.livejournal.com]

The bit about acquisition is unclear, not sure if it would apply to a refi. And the way it's written, I'd bet it's only applicable for the first year of the loan.

Either way, the PMI itself isn't a /huge/ deal. It's, what, another $100 a month or so? We just /really/ wanted to avoid it. A year ago, I'd've put the value of the house above $550k. it's.. not there anymore.

[caladri.livejournal.com]

Market woes, or actual damage to the house, or the neighborhood going downhill in value itself, or ?

[tithonium.livejournal.com]

I'm going to have to go with market woes or idiot appraiser. The immediate neighborhood hasn't changed much, but the projects down the street got ripped out in favor of townhomes, and we've repaired all the significant damage over the past few months. The number we got back is, if I recall correctly, even lower than the last tax appraisal, which is always low and I /think/ predates the new roof and siding.

[jenk]

The number we got back is, if I recall correctly, even lower than the last tax appraisal, which is always low and I /think/ predates the new roof and siding.

Gee. Might be time to contest the tax appraisal.

[corivax.livejournal.com]

You need more 'fuckity'.

[neuro42.livejournal.com]

don't we all?

[caladri.livejournal.com]

I see what you did there! Is there anything you can't/won't sexualize?

[neuro42.livejournal.com]

Republicans. And short hair.

[dianthus.livejournal.com]

I see. How short?

[neuro42.livejournal.com]

That's a rather personal question, isn't it?

Speaking of which, I have a couple of nice prints from the shoot I did with you that didn't sell last month. Do you have any interest in having them?

[ebourland.livejournal.com]

Oh fuck. Sorry mate.

Get another appraiser?

[evildave.livejournal.com]

Hey, I assume you're much more savvy with how to go about finding appraisers and what your options are and everything than I am, so there probably isn't anything I can offer as advice. However, I have a friend who's a mortage guy (broker? something like that), and maybe he can suggest a way for you to get a deal or a better appraiser/appraisal or something?

Anyway, if you'd like his contact info, let me know.

[tithonium.livejournal.com]

Good to know for the future.

[maribou]

*hugs you*

Fuck 'em all!