Nora,

can you say more?

I have always taken out a 2nd mortgage, but I have often paid that 2nd mortgage down as quickly as possible. So, in a situation like yours, I likely would only have 1 mortgage to deal with.

Sincerely,

self-interested party who would love to just sell this fucker at any price and walk away.

Arrrgh. Going to the doctor this afternoon, because [ladyparts TMI] what I thought was a yeast infection hasn't improved after using Monistat (not the 1-dose dealie). And I'm having symptoms of a UTI, while also still having some symptoms of a yeast infection. I suppose it's possible to have both, or that maybe the yeast infection can cause a UTI.

But I'm having abdominal pain (well, more like a combination of tenderness and pressure) that I wasn't having before, so something has changed. Bah.

Ugh, Teppy. I hope you get some answers at the doctor and you're feeling better soon.

Steph, what I thought for years was a recurring yeast infection was actually a latex allergy. Not saying that you have that, but it's worth considering. I had that same strange abdominal pain, too, though that might have been either an ovarian cyst or a fibroid. Anyway, yeah. Doctor visit. Good luck to you and your ladyparts.

I hope the doctor gives you something quickly effective, Teppy. I have had that combination of issues before. A world of yuck.

OMG. good grief. 'ma for a good doctor's visit.

I am sick as a friggin' dog. How do you know if you just have a nasty virus or a full-blown sinus infection? My face feels like it's going to explode

This was me 2 days ago. I went to the doc and got some meds. I'm home sick again today hoping to be well enough for work tomorrow. I thought I might go in today, but taking a shower made me tired, so I figured another day home might be a really good idea.

IOW, go to the doc.

I have always taken out a 2nd mortgage, but I have often paid that 2nd mortgage down as quickly as possible. So, in a situation like yours, I likely would only have 1 mortgage to deal with.

Well, if we didn't have the PMI (that's automatically applied if the buyer puts down less than 20%, and that we make monthly payments on) we would be dealing with our bank that would have to look at losing $100K in their mortgage investment with us. That's money that would come out of their bottom line. However, since we have the PMI, the bank will be getting any loss on the short sale back from the insurance company. So, we have a $280K mortgage. The short sale offer amount is $185K. If all goes well, the bank will get $185K from the new owners and $95K from the insurance company, which insures that they aren't out any of the principal, which hopefully means they won't be looking to take that $95K out of our hides or, alternatively, deny the short sale so they can try to get another offer to reclaim more money.

I'd heard, back when I was listening to people's advice about real estate purchasing (which I no longer do) that it was better to get the second mortgage for whatever reason- could you deduct the interest on that? But I'm sure as shit glad we didn't do that, because PMI is saving our asses. Insurance: you hope you don't need it, but it don't mean you won't!

There are people phishing by looking like Amazon now? Cause I just got the weirdest looking, fakey message cancelling an order I never made...

I have called three times today. Always voicemail. So, I go to the website, and click "contact us" and see a webchat option. I am chatting with a rep. Who looks to be saying they will contact me "as soon as possible", to which I responded, "do you have an eta on that? Will that be 10 min? 2 hours? 3days?" Her response, "If not today, then tomorrow". Thanks. Love the specificiness of it.

Sometimes, I really suck at waiting.

Nora, thanks for the info. My Credit Union is fine with me doing 5% down. Not sure if it's because of my good credit score, or because they are just cool like that. Either way, will have to do the PMI thing. Good to know, it can be used as a life preserver too! And here I was plotting ways to get equity up to 20% to do away with it, and save the $90 or so a month.