) My Journey to Homeowners hip
06-19-2012 08:11 PM
What a difference a day makes! Walked into my CU this morning and walked out with a personal loan to pay off the balance of the mortgage on the marital home at the same interest rate, but a longer term, bringing me under the backend ratio! I will also now be able to exclude the tax/insurance on that house since I will no longer be on it. Woo-hoo! AND, using the same inquiry, the CU gave me a CLI on my Visa and lowered my APR!! Double woo-hoo! They had given it to me back when I was still in the high 500s at a $500 CL and they bumped me to $3,000 today. I'm still stunned. My LO is thrilled as is the UW. Said I "did good".
So, it looks like we are still on track for a mid-July ground-breaking and an ontime, late September close. My stomach is much happier today.
Current Score: EQ 664 TU 700 EX 701 (FAKO)