October 10, 2002

Talked to my loan officer today. Needed to tell her what home owners insurance I was going to use. Found out I made a mistake by getting a quote for the value of the house instead of the loan amount. Since she didn't have the exact breakdown of cost, so went through what she had available so far - something around 163k. I found out during this, that the government raised the cap on the FHA loan, so now the entire closing cost can be rolled into the loan. This means I'll be able to close on the house with nothing out of pocket. Most excellent! My checking account just went up about $1500-$2000.

I now feel confident in being about to break the lease and get movers to move the dreaded TV, and be able to get presents for the family for Christmas, and visit during Christmas. And, I should be able pay off a loan, and significantly pay off Gene by January.

Ah, the financial situation is getting better and better. I am starting to have some breathing room, after more than 2 1/2 years of negative income.

Posted by haglund at October 10, 2002 2:30 PM