I'm so sorry, Pix. That's so grimly consistent with my (mercifully, comparatively brief) dealings with BoA, and with every rageful broken contemptuous thing I've ever heard anyone else say about them.

I'm sorry, Pix. That would be so infuriating.

The five days I spent on 'roids have given me a great deal of sympathy for those who have to deal with them frequently (and bewilerment for those who choose to).

I need them for breathing (probably low dose and inhaled) and I still kinda hate them. For making me feel better. For not making me feel like I have actual healthy, nearly invincible, lungs.

I'm sorry, Pix. Like you guys aren't a great risk given you want less than the collateral is worth. Worst case scenario, they could still win. Which is more than a lot could say in the last decade. We're in a really not great place when it comes to economics. I hate our boom and bust economics. I don't think it's actually good for the society as a whole.

I am so cranky. And tired.

Pix,

you may have tried this already, but perhaps get in touch with a mortgage broker? One might be able to help you out.

Oh, man, Pix. What assholes. My bank got bought out by them back in the 90s, and as soon as I could I jumped to a credit union. Hate hate hate.

How frustrating and horrible, pix!

We started with a mortgage broker but since they are licensed to operate in a given state and we live in California but the property is in FL they couldn't help us. We apparently have to deal directly with a bank that operates in both CA and FL.

It's just rediculous. It went from needing to show the underwrites that we have $5000 cash on hand to $15,000. If I had an extra $10,000 sitting around we wouldn't be trying to get the loan.

The really stupid thing is I could most likely go to a car dealership tomorrow and have a $50,000 car financed in a matter of hours, but we can't get a loan secured on a property that is worth twice the value of the load and is completely paid off.

Hmm. And you can't do a personal loan? Interest rate is probably too high, right?

Oh, Pix and ND, that sucketh beyond the telling. Having dealt with (and still dealing with) the house/bank clusterfuck that DH's ex left for us to clean up, I have total empathy. Banks are soulless bastards.

And to all those who offered support and an ear yesterday, THANK YOU! I feel so much better and DH and I had a really good conversation about it last night. We worked out best and worst case scenarios, and I have every confidence that nothing like this will go down again. For those of you you expressed an interest in an email, I'll get to it today, but I want to kinda bask in the good mood that came from dealing with it head on and getting a really good response.

I went to sleep at 10:15 last night and woke at 4:08. Which is not optimal, but I'll take it! SO much will I take it!

Our bedroom is clean, my office is halfway clean, and I am doing laundry right now! I know this is probably boring to read, but I am trying to kick the Black Dog in the ass, and being accountable is useful. So I am TOTALLY ruthlessly using y'all!

Let's see what else I can accomplish today.

Strix, I'm so glad to read that. I hope today continues to be better, and that if it's not, you can be gentle with yourself.