I’ll admit it – I’m bummed. It’s not really the end of the world, but with Lars’ illness last year (and run o’ the mill stupidness) we racked up some substantial debt that I hoped to pay off by refinancing our house (yes, again!) We started the process a few weeks ago and to say I’ve been stressed is an understatement.
So today, they finally called to tell me that our loan would not being going through. The reason: our appraisal. When we refinanced a year and a half ago our house appraised at $184,000 – this year, after thousands of dollars and many hours of sweat and the cliche tears remodeling the front half of the house – $147,000. Our house has (I can barely stand to type it) depreciated flipping 40 grand!!!!
I was completely speechless on the phone. Quickenloans-Colleen just kept yapping at me about “comparables” and how people on our street have been, “giving their homes away.” One house that’s pretty close to ours sold for $144,000 and another right down the street that’s a bit smaller for $105! That’s less than we paid for our craphole 3 years ago.
I can’t believe it’s really gotten that bad. When I first talked to Quickenloans-Colleen, she was surprised that houses in our zip code hadn’t really gone down that much… and all but assured me that it would at least appraise for the same amount as last time.
I’ve been in a depressive state, staring at my computer, drooling and growing zits since 4 o’clock when she called me.
Oh and listening to this:
heroes-(david-bowie-cover) – Magnetic Fields
and this: What Light – Wilco
Over and over and over and over.
Part of me wants to punch someone – someone that looks like George Bush. The other part of me feels too weak from ennui to even be bothered.
BUT, I’m an ass-kicker, I don’t roll over for anybody – not some 9ft tall, bitch-appraiser, not Quickenloans, not Bank of America, not Capital One, not the Tesoro station, and certainly not the rich-male-white-corporate oppression of our current administration.
I mean, really let’s be clear – gas costs $4.20 and my house is worth shit – but, our economy’s great, right? I hate to repeat myself, but fuck you, George Bush. Fuck you hard and deep, right in the ass.
To that end – (and earlier when I was in a better mood) I created my own fundraising goal for Barack Obama. If you’ve got 5 bucks or more to spare, please click the donating link in my sidebar. I’ll love you forever and ever.