I'm happy to say I've fully recovered from the housing market crash, amongst other things; and it's been a long road! Refinanced my house, pulled the top appraisal in my neighborhood, made all the equity back that I had lost, to include my down payment ( finally) - paid off all my debt, my truck, lowered my mortgage payment and put $$ in my pocket while leaving some equity in the house! That, and my mortgage is still under rental values if I ever decide to go that way. Goals: To get a lower interest rate if the market goes that way. To purchase a boat (saving for it). Otherwise just sock away cash and hope my credit improves. With only Zero balance credit cards, a $470k mortgage and a $5k CLOC what can I expect? Credit scores are good-to very good so now what? Goal is 850 across the board.
