so, it turns out
that if you have a mortgage with a company, and you pay all of your payments on time and don't miss one, and then it comes up for renewal and you call them because you haven't gotten any papers from them, and they say to you on the phone "oh don't worry, just keep paying it [I have automatic withdrawls] and we'll send you the paperwork when it's ready," they can turn around two months later and send you a letter telling you that they have decided not to renew your mortgage after all (because they are "no longer writing policies in your area"), and therefore you have to pay them the $9,000,000,000* that you owe them within the next ten days. or they will sue you.
cue panic.
also cue having to call my mortgage broker and attempt to get someone else to finance me for oh, the past two months (said letter arrived in my hands at the end of March, and the mortgage company wanted their money by the 8th of April. yeah, that completely didn't happen.). while I have never missed a mortgage payment in six years of home-ownership, I have nevertheless changed jobs within the past (at that time) 9 months, which was a ding against me, and this is a crappy economy, which also worked against me, and I have terrible credit because I was stuck in a dead-end job that never gave me a raise for 12 years and didn't afford me the luxury of living within my means, especially when I need to have a working vehicle and a roof over my head and power, and occasionally even toilet paper. ridiculous, I know, but I don't like the drip-dry method.
so, for the past two months I have been in semi-panic mode while I have waited for all of this to come together or fall apart utterly and result in the repossession of my house. and today, it finally, finally, finally came together, as I closed on my new financing and picked up my cheque. no more blind panic, no more expenses related to this (although, frankly, I got completely and utterly dry-fucked with sand), and the thing is finally done (until next year, anyway).
so, in case you didn't know, you can suddenly get fired by your mortgage company for no reason at all. that is why they tell you to have six months of emergency money in the bank, kids.
to celebrate, after I went to the lawyer's office, I went to Walmart and bought new jeans, and discovered that I have dropped two sizes in the past month. I'm going to call that a win.
*not the actual amount, but it might as well have been.
cue panic.
also cue having to call my mortgage broker and attempt to get someone else to finance me for oh, the past two months (said letter arrived in my hands at the end of March, and the mortgage company wanted their money by the 8th of April. yeah, that completely didn't happen.). while I have never missed a mortgage payment in six years of home-ownership, I have nevertheless changed jobs within the past (at that time) 9 months, which was a ding against me, and this is a crappy economy, which also worked against me, and I have terrible credit because I was stuck in a dead-end job that never gave me a raise for 12 years and didn't afford me the luxury of living within my means, especially when I need to have a working vehicle and a roof over my head and power, and occasionally even toilet paper. ridiculous, I know, but I don't like the drip-dry method.
so, for the past two months I have been in semi-panic mode while I have waited for all of this to come together or fall apart utterly and result in the repossession of my house. and today, it finally, finally, finally came together, as I closed on my new financing and picked up my cheque. no more blind panic, no more expenses related to this (although, frankly, I got completely and utterly dry-fucked with sand), and the thing is finally done (until next year, anyway).
so, in case you didn't know, you can suddenly get fired by your mortgage company for no reason at all. that is why they tell you to have six months of emergency money in the bank, kids.
to celebrate, after I went to the lawyer's office, I went to Walmart and bought new jeans, and discovered that I have dropped two sizes in the past month. I'm going to call that a win.
*not the actual amount, but it might as well have been.