Chase bank can *&ck off (the final chapter)

That’s it, I quit.(And in case you don't know what I'm quitting ...try here and here.)

I’m done. We’re doomed to have this stupid mortgage payment forever. And I just don’t care. (Scott pays it anyway. What do I care? Hehe)

WELL … remember the appraisal came in low? So, we thought that was it.

Nope, apparently, for existing customers (which we are), you can take out 125% of the home’s value. Why our loan lady JUST NOW THOUGHT OF THIS is well beyond me.

Anyway … so, the numbers come in. The APR’s not quite as pretty as the original loan, we have to have PMI (which we wouldn’t have with the last one), so it won’t save us near as much a month.

At this point, I’m teetering on the edge of going insane over all of this. I didn’t want this to begin with, but I told Scott I’d let him take care of it. But we agreed that if it didn’t work out, we’d walk away.

Somehow or another, despite the fact I hate the idea of taking out more than the house is actually worth, I let him talk me into continuing.

So, today, I’m working on my project, life is good – motivation is waning, but that’s par for the course in the afternoon. Scott calls.

Apparently the underwriters REFUSE to accept this new appraisal because the guy screwed it up so bad. Absolutely refused. There’s no going back and fixing it. There’s only, “dude, you suck, find another job,” kind of refusal.

No loan without an appraisal.

I snap. I refuse. I’m not doing this a THIRD damn time. I am just not. And I’ve made Scott mad because I’ve pulled the plug on this whole thing at this point. (“But, the new appraisal would be free, it’s not like we’d have to pay anything, so what’s it going to hurt?”)

I don’t care if it’s free. I don’t care if they are going to PAY us to tell us our house is worth significantly less than we paid for it thanks to the crappy real estate market. I don’t care about any of it. I’m done.

I fully believe in signs, and I think there have been more than enough to tell me this is a bad idea. This is not in the cards. This is not meant to be. Do we really need a tornado to come pick the house up and drop it in Munchkinland to have the point smacked into our faces?

Of course the mortgage specialist is coming back to us with an, “Oh, I can make it work … I can do this and this and this, and it raises your APR more, but it’s still less than you’re paying now …”

What part of “I’m done” do people not understand?