Refi Day

Today Angie and I started the refinance phase on our house. I won't go into all the details but to say that we've been on a 20 year mortgage for two years. We refinanced for a 20 year note, but the reduced interest rate means that we'll be paying less each month and over the next two decades we'll have paid less than we would have on the remaining 18 years.

We've been talking with our mortgage guy, Fred, for the last month or so. He locked in the rate. Then I had to go to northern NY. Then he had a vacation scheduled. Today was the day for the first round of signing papers. We had to provide bank statements, W-2s and pay stubs.

I had them all. Except for the 2008 W-2s. I found this out about 15 minutes before the meeting. Racing home, I called Angie to let her know that I might be a few minutes late, but it would be okay, because I knew where the papers were.

No I didn't. I looked where they should be. Then the place where they should be if they weren't in the first place. And then the third place. I retraced my steps, turning on all lights and opening the blinds.

Not finding them and already ten minutes late for the meeting about five miles from the house, I called Fred. He explained that it would be just fine to get them to him later.

I felt sick to my stomach and wanted to cry. Yes, that bad.

We signed the papers and returned to work. Angie assured me that we'd find them. I wasn't so sure.

Work was tough this afternoon. Mostly because I was ill about not knowing where our tax info was.

After getting home, I found the papers in the fourth place they should have been. Now I need to scan them and email them to Fred.

That'll teach me to get organized.

Yeah, right.