That bites, sj. I hope it's no big deal.

Lundi Gras, Nora.

sj,

here's hoping you can appeal or get your real estate agent to generate different comps.

Sj, if it had come in 13k less for me, I would have had to make that money up in cash OR work with the seller to lower her price. I really hope it works out for you.

Eta: just remembered that the closing costs were a lot more than what I had anticipated (I had misunderstood the original estimate) and I ended up negotiating with the mortgage co to add a quarter of a point to my rate to cover the rest. So I think you will definitely have options!

for both of my homes, I had to take out a 2nd mortgage, to get the main mortgage down to 20% of the sale price.

so yes, there are a lot of options.

for both of my homes, I had to take out a 2nd mortgage, to get the main mortgage down to 20% of the sale price.

Thanks. We forgot about that option. We're waiting for the bank to call us back.

Sj, if it had come in 13k less for me, I would have had to make that money up in cash OR work with the seller to lower her price. I really hope it works out for you.

We can afford to go up a bit, but we're hoping the seller will come down a bit as well. It probably means that updates like ramps are going to be put on hold. We'll work it out, but I'm not happy right now. We weren't expecting the appraisal to be this far off. Our real estate agent is shocked.

Dear creepy guy that my neighbor insists on hiring:

Don't yell at me because the dog won't stop barking at you. I don't know why he hates you. Could it be because you're creepy? Could it be because he knows I think you're creepy? Could it be because I've caught you taunting him over the fence? Could it be because you're probably the guy who tried to break in in the middle of the night? Does he hate meth heads?

Grrrrr.

Ick, Ginger. I hope the creepy guy goes away and stops bothering you.

TCG: "How come you are staying so calm?"

Me: "Because I am bitching to my friends online."

Bitch away! That's totally what we're here for. It's right there in the thread title!

But yes, it's unhappy-making but you do still have options.

Ginger, Seabiscuit is totally like that. I swear he could tell if someone was drunk while they were walking up the driveway. He never barked at our students or our elderly neighbor, but let someone stagger up from the highway with bad intentions and he was all over it.

My neighbor hires creepy guy, who's his daughter's age, because he grew up in the neighborhood and he feels sorry for him. Everyone else who grew up in the neighborhood stays far, far away. My neighbor has even admitted that he's creepy and said not to be alone with him, yet he keeps giving creepy guy reasons to be right next door.

Ack, creepy guy.