Great News!

I was cleaning out my wallet the other day and realized I had a Panera gift card that still had $15 dollars on it.  My daughter must have given it to me – she is actually now an Assistant Morning Shift Manager and will start training new employees next month at Panera.  In May she will have worked there for two years already – time flies!

So on the way to work I bought some baby scones and some cinnamon raisin bread for the office.

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I didn’t have any however, because I ended up having a breakfast quesadilla!  Two low carb wraps, a scrambled egg and egg whites with chopped pickled jalapenos, ham and Cabot cheese.

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So we know that Tony’s been out of work since last summer.  I tried to refinance our mortgage the conventional way, however in our small town, the comps for two bedroom homes is quite small.  I could never get our house appraised correctly because for the last couple years, there have only been two sales each year of two bedroom homes.  Since we live by the river, a lot of two bedroom homes are really cottages that people considered “summer” homes when they lived here.  Our home was built in 1922 – where as the house next to us was built in 1987.  So I decided to see if I could modify our mortgage through our mortgage company.  I began this process on LABOR DAY.  I am shouting those words because that’s how long this process took.  I can’t even begin to tell you the amount of hours and hours I spent on this.  Weekly phone calls asking if Tony was working, filling out tons of paperwork, etc.

Well hallelujah!   My hard work paid off and we got our mortgage modified!!  Guess how much our mortgage payment is now?

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Yes, you are reading that correct – $385.96!  With our real estate tax escrow, our new monthly mortgage payment is going to be $717.  Whew.  What a relief!  I can’t tell you how many times I thought of giving up because I thought it would never work, but I am so glad I stuck with it.

Tony had to come to my office to sign the new paperwork, I had to have witnesses and have it notarized.  We ended up going out to lunch – to The Assembly.  Best burgers ever!  When I walked in and saw that their burger of the month was a buffalo burger with blue cheese I was sold!

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Perfect medium rare.  I ended up eating 3/4 of it and about 8 tater tots.  So good.  Tony?  He loves his burger on marble rye with their signature mushroom sherry sauce.

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It was nice seeing Tony during the day!  Here’s a bit of backstory.  Way back before I met Tony he was dating this woman who gave him this cologne.

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That size bottle today costs $78 at Nordstroms!  In any event, the stuff smells awesome.  And I, who have no sense of smell, can smell it the second Tony puts it on.  He’s had this bottle of cologne going on 20 years and it’s only half empty!  So when he walked in the office I could immediately smell it – let’s just say I was sitting pretty close to him at lunch because he smelled so good! Open-mouthed smile

In the afternoon I got this snapchat from my step-son – he likes to tease me with his Austin weather!

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I got home from work and I was not hungry.  At all.  I asked Tony if he was hungry and he said “I can wait.”  Well guess what?!  I never ended up making or eating anything for dinner!  I just wasn’t hungry.   I know – so crazy for me!

And since I didn’t work out at lunch, I didn’t make my 10,000 step goal.

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I’ll make up for it today.   I am working a double today, but my office is closed tomorrow so I’ll get to sleep in.  I am only working tonight and Friday night at the restaurant, so I have Saturday off and will be meeting up with Hannah for lunch and thrifting.  My Mom is coming over for Easter, although we are not going to do a traditional menu – I’ll be making Italian Sunday gravy with homemade pasta.  Tony and I have both been having a jones for this sauce and figured why not.  Who needs ham?!

Alright, time to go iron my shirt for work tonight and get my stuff together – make it a great day!

19 thoughts on “Great News!

  1. Wow. When we refinanced from a 30 to a 15 year mortgage, our mortgage holder was the BEST. I think maybe it took around a month and they sent a notary to our house with the paperwork to sign! At least you got that settled. I’m sure there’s a big sigh of relief going on right now!

  2. WHOOOOP! Ohmygosh exciting! Definitely worth all the hard work. Josh would go crazy for your burger. Yayy for time off- enjoy sleeping in <3

  3. At first I thought the great news was finding that Panera card, LOL. But wow – getting your mortgage modified really is great news! Good for you & Tony, and bravo for your perseverance! :)

  4. Yay you! That’s a great score, as good as finding money in a coat or jean pocket!

  5. YAY on getting your mortgage modified!! That is great news! We need to refinance for a lower interest rate but have recently started thinking of buying another home. Our neighborhood isn’t what it used to be & I have a feeling it’s not going to get any better. :-(
    I haven’t had lunch yet and seeing those delicious looking burgers is making my tummy growl! lol

  6. That is fantastic news! Bet you are feeling like you’ve gotten a raise all of a sudden. Very nice!! Our house will be paid off in four years and I can’t wait…of course, that’s when Jeff will be eligible for retirement with his company but hopefully he won’t, because his working plus no house payment? Now that’s when we realistically can go to Maui again! :)

  7. Woo Hoo! I bet that is a huge relief for you!

  8. Yay for you, getting the mortgage lowered can really help. We had our mortgage lowered a couple of years ago, although the escrow is not added in. We just have to come up with taxes the following year. It all works out.

    That burger looks really good as does Tony’s burger too. I bought a turkey for Easter…we are munching on it now….turkey soup is on the menu to today or tomorrow. Along with turkey quesadilla’s….mmmm sounds good!!! Have a good day and I hope you get your steps in…..I am sure you will at your second job.

  9. That’s fantastic, congrats!!! That’s half of my payment – I’m so jealous!!

    That burger looks amazing, btw.

  10. LOL I once made lasagna for St. Patrick’s day. Italian food is good no matter what holiday it is! That is awesome on the mortgage payment!! We have 550 sq feet and pay 450/month so you did good! Can I ask how much you’re saving? I sure hope it will help you out!

    • Hey V! We are saving $650 a month! We have a 1200 square foot house on an acre lot.

      I can’t imagine living in 550 square feet – you make it seem big on your blog!

  11. That is great news! Worth the wait right??

  12. GAH I would kill for a mortgage like that. We are moving at the end of this month and unfortunately the amount of mortgage we were approved for does not match up with our needs at this point. Stupid student loan debt! Our mortgage guy told us to start paying on the loans (since we are both students we haven’t been paying on it), even if it’s like $20/month, and then try again in like 6 months. The rent at our new place is going to be higher than your mortgage, and you live in the Chicago area! That is just plain ridic! ;-)

    And PS – I. Want. That. Burger.

  13. That is great news indeed! Glad you didn’t give up trying.

    I have no inspiration for cooking this Eastern, I usually do make a menu but this year not. So I invited myself and R. to my Mom’s house for dinner :) I do make dessert (Tiramisu) but she cooks.

    I didn’t meet my 10,000 steps yesterday either. I did workout for 20 minutes in the morning but due to grocery shopping and being home later than usual I skipped the daily walk with Bella and that made the difference.

    Enjoy your day off today, I’m working right now bleh!

  14. OMG GREAT news on your mortgage – that is AWESOME! We so need to refinance ours but I am not looking forward to the process, ha! Happy FRIDAY!

  15. That is awesome news on the mortgage!!!
    And your step-son totally cracks me up with his pictures!!
    We aren’t doing traditional on Easter either – it is just us unless we invite friends over and Chris is going to smoke a brisket so I will probably add cheesy potatoes because I love them!!!

  16. Glad you kept trying. Great new monthly payment! We were in the process of refinancing when the interest rates dropped but life got in the way and I dropped the ball :( That is okay our rate is good anyway but not as low as it dropped last year 2.75% would have rocked!
    I can not believe Tony has had that cologne for 20 years. I have never heard of that one.
    Your snap chat photos always make me laugh. What a “smarty pants” he is :)

  17. What a blessing that the modification went through! We had to get a loan modification a few years ago also and it literally cut our mortgage in half. Our mortgage is several hundred dollars less than what the same model of our house RENTS for now. Hallelujah is right! Otherwise we would have been in a world of hurt.

    • Yep, this is a huge relief – just wish it hadn’t taken me so long to get through the process, but it was worth it!

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