I took the plunge and applied to refinance my mortgage today. I probably should have done it several months ago since the value of my property has been steadily going down, but I’ve been waiting for my law suit to settle so that I can hopefully pay the whole thing off, but it doesn’t seem like it will be settled any time soon. The reason I have to refinance is that I’m one of those subprime mortgage holder. For those who don’t know what that means, it means I’m fucked, and royally so.

Anyway, I got the rate locked at 5.875% for 60 days – for the youngens, it means I have to close within 60 days. So I started panicking. Reason? Appraisal, inside and out. The bank has to come inside the house to appraise the value of the property. That presents problems for me because 1) I’m a major slob and I have to get cracking and start cleaning and tidy the place up, and then 2) I have to hire somebody to fix the damages on the house – two bedrooms with holes in the walls, and three damaged doors/door frames.

I know for most people, it’s not something to stress over, but I kid you not, there is nothing that stresses me out more than cleaning and tidying up the place to make it presentable for “normal” people. I’d rather bathe my dogs AND Grizzley than clean up the mess. Fixing the wall presents more challenge as to what I should do with the dogs while somebody is fixing it and after it’s done waiting to be dry. I would have to think of a way to maneuver this. Another thing about hiring somebody to do this is that I do not like letting strangers come in while obviously I’m the only one in the house and don’t like it to be known that I live by myself.

I just finished eating dinner and it’s 10:32pm and I’m dog tired. But I’ll have to get going and start cleaning up this place. I decided I should spend 30 minutes or so each weekday, and maybe two hours on Saturday and/or Sunday. I need some hand-holding though cause I’m scared.