Wow...check it out. I've never seen so many consumers fight back before.
Wednesday, February 25, 2009
Sunday, February 22, 2009
Our Trip - The Drive Out
My last remaining uncle on my Mom's side passed away last Thursday, so we drove back home to support my Mom and Dad, pay our last respects and to be here with the family.
We did the 20-hour drive straight through and it wasn't as bad as we thought it was going to be. And of course, the kids added comedy to the trip so it was never a dull moment.
Case in point:
Ruby: (to Gorby): "Heyyyyyy! Stop it!"
Mom: "What's going on back there?"
Ruby: "Gorby is taking my fuzzy, purple pillow and threw it on my headphones wire. And, now I can't hear the movie!!!!!"
Mom: "Ohhhh, Ruby, just relax, I'm sure it was an accident. Here, I'll plug it back in for you."
Gorby: "Actually....it was on purpose."
:-) Bah!
We did the 20-hour drive straight through and it wasn't as bad as we thought it was going to be. And of course, the kids added comedy to the trip so it was never a dull moment.
Case in point:
Ruby: (to Gorby): "Heyyyyyy! Stop it!"
Mom: "What's going on back there?"
Ruby: "Gorby is taking my fuzzy, purple pillow and threw it on my headphones wire. And, now I can't hear the movie!!!!!"
Mom: "Ohhhh, Ruby, just relax, I'm sure it was an accident. Here, I'll plug it back in for you."
Gorby: "Actually....it was on purpose."
:-) Bah!
Thursday, February 19, 2009
Fighting for the Little Guy
I really like this lady. She might just turn me into a Democrat!
Madam Speaker, I am glad I was here on the floor to respond to the prior Member who felt compelled to say that he thought the Wall Street bailout was working. I would like to know what evidence he has to prove that, since we have no forensic accounting of what the Wall Street banks that got all this money did with the money. Maybe he has some special access inside these institutions and can provide it to the Record, because I will tell you what happened yesterday.
I went before our Rules Committee and I proposed a very simple amendment. My amendment was that before we give one more dime of the people's money, we require the Treasury to do a forensic accounting of every bit of money that was sent up there to Wall Street. And I was denied my amendment.
There is no Member of this Congress that can say with accuracy, including the gentleman who just spoke, that he knows where the money is, because, you know what? They haven't told us. All you know is what you have read in the newspapers, and how can we extend more money from the American people when we don't even know what happened to the money that went out the door?
So you can say whatever you want and create a fiction, but the fact is that foreclosures are going up across this country. That bill that was passed last year was supposed to help people hang onto their homes. In Ohio, foreclosures have gotten worse every month.
What I am telling people right now is, stay in your homes. If the American people, anybody out there is being foreclosed, don't leave, because I will tell you what. If you had a smart lawyer like those banks up there on Wall Street can get, they would take you into court and they couldn't find the mortgage. They couldn't find the mortgage.
So why should any American citizen be kicked out of their homes in this cold weather? In Ohio it is going to be 10 or 20 below zero. Don't leave your home. Because you know what? When those companies say they have your mortgage, unless you have a lawyer that can put his or her finger on that mortgage, you don't have that mortgage, and you are going to find they can't find the paper up there on Wall Street.
So I say to the American people, you be squatters in your own homes. Don't you leave. In Ohio and Michigan and Indiana and Illinois and all these other places our people are being treated like chattel, and this Congress is stymied. We have the worst economic crisis since the Great Depression and our committees are muzzled. Power is given to one chairman or one person.
We are all equal here. We have a right to be heard. The concerns of our constituents have a right to be registered in the committees of this House, not choked down as what is happening here today. It is just a tragedy. And if we don't fix the economic cure, it is going to get worse, and the cure is to go after the home foreclosure crisis.
Who does that? Treasury? No. That is absolutely the wrong place. We need the Federal Deposit Insurance Corporation and the Securities and Exchange Commission empowered to do the real estate workouts on books across this country. Those are the normal institutions that are used. And then you have got HUD there now with FHA that can take these mortgages once they are refinanced. But that is not what is happening across our country. There is no help for the homeowner. That whole section they talked about today, Help for Homeowners over at HUD, nobody has even benefited. We said last year they wouldn't, and that is exactly what has happened.
So I say to the American people, stay in your homes. You have earned them. And don't you get out until you get a really good lawyer who can find your mortgage up there on Wall Street. Because, you know what? They won't be able to find it, and therefore they can't prove you should be evicted.
Madam Speaker, I am glad I was here on the floor to respond to the prior Member who felt compelled to say that he thought the Wall Street bailout was working. I would like to know what evidence he has to prove that, since we have no forensic accounting of what the Wall Street banks that got all this money did with the money. Maybe he has some special access inside these institutions and can provide it to the Record, because I will tell you what happened yesterday.
I went before our Rules Committee and I proposed a very simple amendment. My amendment was that before we give one more dime of the people's money, we require the Treasury to do a forensic accounting of every bit of money that was sent up there to Wall Street. And I was denied my amendment.
There is no Member of this Congress that can say with accuracy, including the gentleman who just spoke, that he knows where the money is, because, you know what? They haven't told us. All you know is what you have read in the newspapers, and how can we extend more money from the American people when we don't even know what happened to the money that went out the door?
So you can say whatever you want and create a fiction, but the fact is that foreclosures are going up across this country. That bill that was passed last year was supposed to help people hang onto their homes. In Ohio, foreclosures have gotten worse every month.
What I am telling people right now is, stay in your homes. If the American people, anybody out there is being foreclosed, don't leave, because I will tell you what. If you had a smart lawyer like those banks up there on Wall Street can get, they would take you into court and they couldn't find the mortgage. They couldn't find the mortgage.
So why should any American citizen be kicked out of their homes in this cold weather? In Ohio it is going to be 10 or 20 below zero. Don't leave your home. Because you know what? When those companies say they have your mortgage, unless you have a lawyer that can put his or her finger on that mortgage, you don't have that mortgage, and you are going to find they can't find the paper up there on Wall Street.
So I say to the American people, you be squatters in your own homes. Don't you leave. In Ohio and Michigan and Indiana and Illinois and all these other places our people are being treated like chattel, and this Congress is stymied. We have the worst economic crisis since the Great Depression and our committees are muzzled. Power is given to one chairman or one person.
We are all equal here. We have a right to be heard. The concerns of our constituents have a right to be registered in the committees of this House, not choked down as what is happening here today. It is just a tragedy. And if we don't fix the economic cure, it is going to get worse, and the cure is to go after the home foreclosure crisis.
Who does that? Treasury? No. That is absolutely the wrong place. We need the Federal Deposit Insurance Corporation and the Securities and Exchange Commission empowered to do the real estate workouts on books across this country. Those are the normal institutions that are used. And then you have got HUD there now with FHA that can take these mortgages once they are refinanced. But that is not what is happening across our country. There is no help for the homeowner. That whole section they talked about today, Help for Homeowners over at HUD, nobody has even benefited. We said last year they wouldn't, and that is exactly what has happened.
So I say to the American people, stay in your homes. You have earned them. And don't you get out until you get a really good lawyer who can find your mortgage up there on Wall Street. Because, you know what? They won't be able to find it, and therefore they can't prove you should be evicted.
Monday, February 16, 2009
Miss Terwilliger
So, the family is on its way to church yesterday, and its pouring down rain here in Northern California. Which is a good thing, because we need it. Anyway, we're on the way to church an the kids want to play the "Guess Who" game. It's a liberal take on 20 questions and we usually think of animals as our item to guess. We usually play on the way to school, but since Dad was with us, it's a whole 'nother ball game.
The youngest always goes first, so Gorbulas thinks of an animal and I guess it relatively quickly. It's now my turn. I think of an animal. OK, got one. "Go!" I tell the family.
"Is it a polar bear?" Gorbulas asks.
"No honey, it's not a polar bear, but you need to ask me questions about the animal and try and guess," I say.
Ruby asks, "Does it live on land?"
"Yes, it lives on land," I say.
Gorby asks, "Does it live in the water?"
"No, it lives on land, but it really likes the water and lives by the water."
"Can I hunt it?" Frederor asks.
"No."
"Does it live in *our city*?"
"Yes! It lives in *our city*."
He continues, "Is it a bird?"
"Yes, it's a bird."
Gorby shouts, "An eagle? A hawk?"
"No, and No."
Frederor says, "Is it Nigel from Nemo?"
I giggle, "Do you mean, 'Is it a pelican?'" I ask.
"Yeah."
"No, it's not a pelican."
I say, "Here's a hint: it's a white bird with a long beak and spindly legs."
Gorby shouts, "A seagull!"
"Nope, but good guess buddy," I say, "Everybody give up?"
They all groan.
"It's a stork!"
Frederor exclaims, "We don't have storks here."
"Yes, we do!" I say. "Look! There's one right there!!!"
"That's an egret."
"Ohhhh same thing."
"No, they're different."
"They're the same!"
"No, actually they're not."
"Reeeeallly. OK, well, then what's the difference Mr. I-Know-Water-Birds?"
He laughs, "I don't know, but Miss Terwilliger in 3rd grade said they were different birds."
Bahhhh hahahaha -- is that all you got? Miss Terwilliger from third grade?
http://en.wikipedia.org/wiki/User:Hjal/Elizabeth_Terwilliger
The youngest always goes first, so Gorbulas thinks of an animal and I guess it relatively quickly. It's now my turn. I think of an animal. OK, got one. "Go!" I tell the family.
"Is it a polar bear?" Gorbulas asks.
"No honey, it's not a polar bear, but you need to ask me questions about the animal and try and guess," I say.
Ruby asks, "Does it live on land?"
"Yes, it lives on land," I say.
Gorby asks, "Does it live in the water?"
"No, it lives on land, but it really likes the water and lives by the water."
"Can I hunt it?" Frederor asks.
"No."
"Does it live in *our city*?"
"Yes! It lives in *our city*."
He continues, "Is it a bird?"
"Yes, it's a bird."
Gorby shouts, "An eagle? A hawk?"
"No, and No."
Frederor says, "Is it Nigel from Nemo?"
I giggle, "Do you mean, 'Is it a pelican?'" I ask.
"Yeah."
"No, it's not a pelican."
I say, "Here's a hint: it's a white bird with a long beak and spindly legs."
Gorby shouts, "A seagull!"
"Nope, but good guess buddy," I say, "Everybody give up?"
They all groan.
"It's a stork!"
Frederor exclaims, "We don't have storks here."
"Yes, we do!" I say. "Look! There's one right there!!!"
"That's an egret."
"Ohhhh same thing."
"No, they're different."
"They're the same!"
"No, actually they're not."
"Reeeeallly. OK, well, then what's the difference Mr. I-Know-Water-Birds?"
He laughs, "I don't know, but Miss Terwilliger in 3rd grade said they were different birds."
Bahhhh hahahaha -- is that all you got? Miss Terwilliger from third grade?
http://en.wikipedia.org/wiki/User:Hjal/Elizabeth_Terwilliger
Saturday, February 14, 2009
Breath of Fresh Air
Happy Valentine's Day!
It was certainly a happy one for me, and my husband came through in amazing ways to make me feel loved (and to redeem himself from last year).
I think most of you who read this blog know that I'm a huge fan of The Five Love Languages. I don't think it's a spiritual book, but it truly has opened my eyes to how each person gives and receives love. I know I am a "Gifts" person, but today, I discovered the "Quality Time" side of me.
I truly felt loved today. My husband and I spend quality time together (with the kids). We discovered something called "Letterboxing." The best part -- it's free. The second best part -- we were outdoors, walking, hunting, searching, discovering and basically just bonded as a family. It was good, quality family time without having to purchase anything (well, I take that back: we each purchased a lined journal from Ross).
So what is Letterboxing? Letterboxing is a search for air-tight containers that someone has left hidden. In the container is a logbook and a stamp. When you find the box, you take out the stamp and stamp your personal journal or logbook. Then, you leave your mark (ie. a stamp you've selected for yourself) in their journal/logbook, seal it up and rebury it where you found it so the next person can enjoy it. Another flavor of this is called geocaching, but with letterboxing, you don't take any or leave any trinkets with you. And God knows I have enough clutter...I don't need any more little army men, or legos or bounceyballs, etc.
This morning, I got out my old stamps and we all selected what would become our own personal signature stamp. Ruby selected a flower with smileyface center, Gorbulas selected a pufferfish, Frederer selected a bass fish, and I selected a seashell. We gathered up our stamps, a stamp pad and our clues and headed out to find two letterboxes that we chose from www.atlasquest.com.
www.letterboxing.org gives all the details, but suffice it to say, I think we found a wonderful family hobby that gets us out in the outdoors, together, and having fun. Letterboxes are all over the world so we decided to go to Ross to purchase cheap spiral bound journals to mark and remember our travels. When we go to Colorado this summer, we'll bring our journals and visit the websites to scout out where we want to search.
It was certainly a happy one for me, and my husband came through in amazing ways to make me feel loved (and to redeem himself from last year).
I think most of you who read this blog know that I'm a huge fan of The Five Love Languages. I don't think it's a spiritual book, but it truly has opened my eyes to how each person gives and receives love. I know I am a "Gifts" person, but today, I discovered the "Quality Time" side of me.
I truly felt loved today. My husband and I spend quality time together (with the kids). We discovered something called "Letterboxing." The best part -- it's free. The second best part -- we were outdoors, walking, hunting, searching, discovering and basically just bonded as a family. It was good, quality family time without having to purchase anything (well, I take that back: we each purchased a lined journal from Ross).
So what is Letterboxing? Letterboxing is a search for air-tight containers that someone has left hidden. In the container is a logbook and a stamp. When you find the box, you take out the stamp and stamp your personal journal or logbook. Then, you leave your mark (ie. a stamp you've selected for yourself) in their journal/logbook, seal it up and rebury it where you found it so the next person can enjoy it. Another flavor of this is called geocaching, but with letterboxing, you don't take any or leave any trinkets with you. And God knows I have enough clutter...I don't need any more little army men, or legos or bounceyballs, etc.
This morning, I got out my old stamps and we all selected what would become our own personal signature stamp. Ruby selected a flower with smileyface center, Gorbulas selected a pufferfish, Frederer selected a bass fish, and I selected a seashell. We gathered up our stamps, a stamp pad and our clues and headed out to find two letterboxes that we chose from www.atlasquest.com.
www.letterboxing.org gives all the details, but suffice it to say, I think we found a wonderful family hobby that gets us out in the outdoors, together, and having fun. Letterboxes are all over the world so we decided to go to Ross to purchase cheap spiral bound journals to mark and remember our travels. When we go to Colorado this summer, we'll bring our journals and visit the websites to scout out where we want to search.
Wednesday, February 4, 2009
Checking Out
It's taken me a month to get my paperwork in order to finally call our mortgage company, Countrywide Home Loans. I'm home with a sick child today, so I get him all squared away. I take his temp again (100.6), cozily tuck him under down blankets in the master bedroom, sufficiently medicate him with Tylenol meltaways and a teaspoon of cold medicine and I take a deep breath and dial the phone.
My parents raised me right. My parents raised me to honor my debts and always set a good example for me. No matter how difficult things got, you adjusted your expenses and you "just make do." I am so proud to be my parent's child, because they taught me loyalty, the value of hard work, and to do a job right. So, I'm pretty humiliated to call the mortgage company to begin with, but to ask for a loan modification is darn near suffocating me.
I dial the 800 number on my statement and (naturally) have called the wrong department. After 5 tries, and 5 different numbers, I finally reach the right department. After verifying umpteen pieces of information to make sure I am who I say I am, the rep asks how she can help me. I figure I'd come out with all guns blazing, asking for the moon, so I ask for "principal forgiveness from the $612,000 we currently owe to the $391,500 which is the current market value of our home."
Clickity-clickity-click. She types away. "Hmmm" she says.
(wait for it...wait for it...)
"It appears that you do not qualify for the principal forgiveness program that Countrywide offers. That program is specifically for customers that have a "neg am" product."
I figure I don't even want to go down the deep, dark hole of mortgage acronyms, and I know that neg-am means negative amortization, so I'm willing to let this one slide.
"OK" I say. "So, what assistance do we qualify for?"
"I'll need all your financials and then we can see" she says.
I give her my husband's gross and net income and my unemployment information. I give her all our expenses too. I explain that I've been laid off and we had about 3 months of savings which has now been depleted. At present, our expenses exceed our income (shocker, I know).
Clickity-clickity-click. She types away. "Hmmm" she says.
(wait for it...wait for it...)
"Ma'am, I'm sorry, but I suggest you call HUD because, at this time, you do not qualify for any assistance or loan modification program that Countrywide offers" she says.
Seriously, I wonder WHY I even try.
We never (NEVER NEVER NEVER NEVER NEVER NEVER NEVER) qualify for any assistance for ANYTHING.
EVER.
I wonder if all these government programs we hear about are just a farce, because seriously, I have yet to see ANY break from ANY government agendy or creditor at ANY time.
I say, "Well, I'm looking on the hardship portion of your website and it says that you're offering loan term extensions and rate reductions. We just need the mortgage to come down from the astronomical $3,600 that it is now to something like $2,600 and then we'll be able to make it. If Countrywide would lower the interest rate from the horrific 6.875% that our mortgage is at now, to something more reasonable, say 4.75% or even better 4.5% then you won't have to have another California foreclosure looming and I could be financially solvent. It's a win-win for both of us."
"Yes, ma'am. I see your point. But, at this time, I'm sorry to say that you don't qualify for any assistance that Countrywide offers at this time. (What? is she reading from a script?) I suggest that you wait a couple of months until your unemployment runs out and then your income will have changed. Then, call us back to see if you qualify for some help."
I pause. There's nothing quite like silence to make the other party uncomfortable.
"So, let me make sure I understand what you're saying. You're saying that because of the particular type of PRODUCT we have, we don't qualify for principal forgiveness, and because we're not late on any payments we don't qualify for any loan modification assistance, and that I need to contact HUD to potentially, maybe, just *see* if I qualify for their assistance, correct?" I say.
"Yes, ma'am."
"I've heard that HUD is offering a Hope for Homeowners program whereby FHA will take over the loan, based on market value, and that we would enter into an appreciation sharing arrangement with them. Is Countrywide entertaining that program?"
"Yes, ma'am, in April, Countrywide will be participating in the Hope for Homeowners program for select customers."
Ahhhh -- there it is. Did you catch that? "...for select customers." Yeah, I caught it too.
"So, Countrywide would be willing to let a $612,000 mortgage go and take a huge loss instead of modifying the loan as it exists today, to something more reasonable, thereby keeping the astronomical principal balance of $610,000 with Countrywide but at a lower interest rate so that it makes it possible that could pay it for the next 30 years?"
"Ummm. Well, I don't know. I'm so sorry this is happening to you. Perhaps if you give us a call in a few months, we'll have new programs in place to help you." (at least she's nice)
I sit here, tears welling up in my eyes, trying to understand how my trying to avert an economic implosion -- proactively I might add -- is being received with the standard:
You. Don't. Qualify.
Couple that bit of good news with the fact that job searches are coming up empty, interview feedback isn't being given, hiring decisions on interviews I've done aren't being disclosed, my former employer STILL has not paid me for November's commission, December's commission, January's commission nor the severance payout, and my attorney is freegin' worthless and I just want to check out.
I don't want to play "Economy" anymore.
Like Alexander, I'm having a terrible, horrible, no good, very bad day and I want to run away to Australia.
My parents raised me right. My parents raised me to honor my debts and always set a good example for me. No matter how difficult things got, you adjusted your expenses and you "just make do." I am so proud to be my parent's child, because they taught me loyalty, the value of hard work, and to do a job right. So, I'm pretty humiliated to call the mortgage company to begin with, but to ask for a loan modification is darn near suffocating me.
I dial the 800 number on my statement and (naturally) have called the wrong department. After 5 tries, and 5 different numbers, I finally reach the right department. After verifying umpteen pieces of information to make sure I am who I say I am, the rep asks how she can help me. I figure I'd come out with all guns blazing, asking for the moon, so I ask for "principal forgiveness from the $612,000 we currently owe to the $391,500 which is the current market value of our home."
Clickity-clickity-click. She types away. "Hmmm" she says.
(wait for it...wait for it...)
"It appears that you do not qualify for the principal forgiveness program that Countrywide offers. That program is specifically for customers that have a "neg am" product."
I figure I don't even want to go down the deep, dark hole of mortgage acronyms, and I know that neg-am means negative amortization, so I'm willing to let this one slide.
"OK" I say. "So, what assistance do we qualify for?"
"I'll need all your financials and then we can see" she says.
I give her my husband's gross and net income and my unemployment information. I give her all our expenses too. I explain that I've been laid off and we had about 3 months of savings which has now been depleted. At present, our expenses exceed our income (shocker, I know).
Clickity-clickity-click. She types away. "Hmmm" she says.
(wait for it...wait for it...)
"Ma'am, I'm sorry, but I suggest you call HUD because, at this time, you do not qualify for any assistance or loan modification program that Countrywide offers" she says.
Seriously, I wonder WHY I even try.
We never (NEVER NEVER NEVER NEVER NEVER NEVER NEVER) qualify for any assistance for ANYTHING.
EVER.
I wonder if all these government programs we hear about are just a farce, because seriously, I have yet to see ANY break from ANY government agendy or creditor at ANY time.
I say, "Well, I'm looking on the hardship portion of your website and it says that you're offering loan term extensions and rate reductions. We just need the mortgage to come down from the astronomical $3,600 that it is now to something like $2,600 and then we'll be able to make it. If Countrywide would lower the interest rate from the horrific 6.875% that our mortgage is at now, to something more reasonable, say 4.75% or even better 4.5% then you won't have to have another California foreclosure looming and I could be financially solvent. It's a win-win for both of us."
"Yes, ma'am. I see your point. But, at this time, I'm sorry to say that you don't qualify for any assistance that Countrywide offers at this time. (What? is she reading from a script?) I suggest that you wait a couple of months until your unemployment runs out and then your income will have changed. Then, call us back to see if you qualify for some help."
I pause. There's nothing quite like silence to make the other party uncomfortable.
"So, let me make sure I understand what you're saying. You're saying that because of the particular type of PRODUCT we have, we don't qualify for principal forgiveness, and because we're not late on any payments we don't qualify for any loan modification assistance, and that I need to contact HUD to potentially, maybe, just *see* if I qualify for their assistance, correct?" I say.
"Yes, ma'am."
"I've heard that HUD is offering a Hope for Homeowners program whereby FHA will take over the loan, based on market value, and that we would enter into an appreciation sharing arrangement with them. Is Countrywide entertaining that program?"
"Yes, ma'am, in April, Countrywide will be participating in the Hope for Homeowners program for select customers."
Ahhhh -- there it is. Did you catch that? "...for select customers." Yeah, I caught it too.
"So, Countrywide would be willing to let a $612,000 mortgage go and take a huge loss instead of modifying the loan as it exists today, to something more reasonable, thereby keeping the astronomical principal balance of $610,000 with Countrywide but at a lower interest rate so that it makes it possible that could pay it for the next 30 years?"
"Ummm. Well, I don't know. I'm so sorry this is happening to you. Perhaps if you give us a call in a few months, we'll have new programs in place to help you." (at least she's nice)
I sit here, tears welling up in my eyes, trying to understand how my trying to avert an economic implosion -- proactively I might add -- is being received with the standard:
You. Don't. Qualify.
Couple that bit of good news with the fact that job searches are coming up empty, interview feedback isn't being given, hiring decisions on interviews I've done aren't being disclosed, my former employer STILL has not paid me for November's commission, December's commission, January's commission nor the severance payout, and my attorney is freegin' worthless and I just want to check out.
I don't want to play "Economy" anymore.
Like Alexander, I'm having a terrible, horrible, no good, very bad day and I want to run away to Australia.
Monday, February 2, 2009
My Network is Now My Competition
Since getting laid off in October, I find myself networking with other peers. But, in the last 60 days most of THEM have also been laid off. So now, my networking buddies are my competition for the scarce jobs that are available. And, many of my networking buddies are vastly more qualified than I. Disappointing.
My former employer has STILL YET to pay me out the November commissions, December commissions (and obviously, January) and also has not sent me the Severance payout. It royally stinks and my lackluster attorney is trying her very-laid-back best. Gosh, I sure hope this is pro bono considering the attention she's paid to me. (sigh)
But, the good news is that I'm spending a TON of time with the kids. I love it, and it's great. I'm praying that one of Obama's fancy schmancy new programs to forgive mortgage principal will help us out and we can refinance to the existing market appraisal. It would be so nice to pay a mortgage on a home worth $390,000 instead of on a $612,000 mortgage from la-la land.
My former employer has STILL YET to pay me out the November commissions, December commissions (and obviously, January) and also has not sent me the Severance payout. It royally stinks and my lackluster attorney is trying her very-laid-back best. Gosh, I sure hope this is pro bono considering the attention she's paid to me. (sigh)
But, the good news is that I'm spending a TON of time with the kids. I love it, and it's great. I'm praying that one of Obama's fancy schmancy new programs to forgive mortgage principal will help us out and we can refinance to the existing market appraisal. It would be so nice to pay a mortgage on a home worth $390,000 instead of on a $612,000 mortgage from la-la land.
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