I\u2019m going to write about something I\u2019ve never written about before. I\u2019ve always considered it too boring and uninteresting.<\/p>\n
I want to write about refinancing.<\/p>\n
Is there anything more mundane than refinancing a mortgage? It is perhaps the very definition of bourgeois. It means you have a large, immovable possession that roots you to a place. BUT EVEN MORE, it means that you have had that large immovable possession for a long time.<\/p>\n
Many, many people have the same situation. It is not a terribly adventurous or creative thing to accomplish.<\/p>\n
People who refinance are the same sort of people who stop and go next to me in the pod-o-mobiles on the way through the 20-mile-an-hour-stop-and-go traffic. These people are the same people who wear the business casual clothes from Target and Mervyn\u2019s that I wear.<\/p>\n
These people are the demographic. These people are the satisfied\u2014the well-fed who worry mostly about which people they didn\u2019t manage to sleep with. I worry mostly that I am becoming one of these people.<\/p>\n
I don\u2019t want to be like everyone else. I want to be free-thinking and artistic and unique. I think about this as I chose my business casual clothes each day. And as I surge slowly through the cattle drive of rush hour traffic.<\/p>\n
But I am doing a refinance. This is something none of the bourgeois enjoy doing.<\/p>\n
We\u2014dare I say it? \u2014We don\u2019t enjoy all the small print and the thinking of what it means. And are we getting screwed? How many itemizations have we forgotten to compare?<\/p>\n
I\u2019ve discovered that there are \u201cpackages.\u201d There are tables and specials and the things that the mortgage brokers are selling.<\/p>\n
I looked into it. I compared. I figured out exactly what I want. I found a lender who will give it to me.<\/p>\n
Of course, I had to compare against other lenders. But no one has a \u201cpackage\u201d for what I want. In fact, while shopping for my refinance, I discovered that most of the lenders couldn\u2019t even do what I want. They were so surprised that I asked for that particular type of loan, that I started to doubt my research.<\/p>\n
I asked Chris about it. \u201cWhy is it so surprising to these people? Did I do the math wrong?\u201d<\/p>\n
\u201cYou are asking the lenders. Who do you think is benefiting from the packages they are trying to sell you? You did the research.\u201d He gave me a squeeze and said, \u201cYou\u2019re smarter than the average bear.\u201d<\/p>\n
Well.<\/p>\n
That makes me feel a little less of a sheep in the bourgeois herd. I guess if I can do an avant-gard refinance, I can\u2019t be too off my mark<\/p>\n","protected":false},"excerpt":{"rendered":"
I\u2019m going to write about something I\u2019ve never written about before. I\u2019ve always considered it too boring and uninteresting. I want to write about refinancing. Is there anything more mundane than refinancing a mortgage? It is perhaps the very definition … Continue reading