Still working on the mortgage refinancing process. Earlier this week, I emailed in 54 pages of signed documents. That was fun.
Yesterday, the appraiser showed up. I had about 20 hours notice on that, which meant that my house was not in the condition I would want it to be in for someone to come and take pictures. I was so apologetic about the mess. My house is clean, but cluttered as I have a couple of projects going on, so items have been moved from their permanent place to a temporary holding spot. He said that the week before, he had appraised a true hoarder house, so this was nothing. But it was still embarrassing.
One thing that the appraisers are looking for is any sort of real damage to the house, which was incentive to get to patching the bathroom wall. It’s still a work in progress – I’ll probably finish it by the end of the weekend – but at least this way it didn’t look so bad. Was a tiny bit of wall damage going to lower my value? Probably not, especially since I had gotten the roof repaired, so this was really just cosmetic damage. But I wanted it done.
I’m starting to wish I had locked in sooner. I’m getting a good rate – 3.625% (we had a slight scheduling issue and had to do a 45 day lock) – but rates were lower. I don’t know what kept me from going for it.
I’m definitely going to keep my eye on the rates from now on though. For our economy’s sake, I hope they don’t drop significantly, but if they do, I’m taking advantage!