A California native transplanted in southern Illinois.This morning I received a phone call from a local Wells Fargo mortgage consultant. They will be ready to process Harp 2.0 refis on Feb 6th. I have an appointment with her on Jan 31st. I need to bring the declaration page of my homeowner's policy and that is it. She says the process is very streamlined and we will close quickly. We will go over 30 vs 20 and all costs when we meet.
I was leaning towards the 20, but now I am thinking 30. I am simply not saving enough and need to ramp that up. I need more cash in the bank and I need to plump up my nest egg. I can always prepay once my savings goals are met for the year.
I received a second unexpected phone call from my old Allstate agent. They want me back (I switched to Geico two years ago) and offered me a lower premium than Geico for the same coverage. She quoted $566 whereas Geico is $637. Also, I would receive a multiple policy discount on my homeowner's. Things have certainly changed. When I left them (after 20+ years!), I saved almost $200 on a 6 month policy at Geico. Now they are beating Geico by $71 plus whatever break on homeowner's.
Who will be calling me next today? Publisher's Clearing House? 
Perhaps Nicolas Cage will come to his senses and call to declare his undying love for me.
A Day for Good News Via Telephone
January 19th, 2012 at 09:44 pm
January 19th, 2012 at 09:46 pm 1327009611
January 20th, 2012 at 12:42 am 1327020162
that's great news on the insurance. I have been saying for years I can't wait to get rid of MetLife and then I do nothing. I've already raised my deductibles with them and have various discounts for safe driver course and stuff like that, but I'm sure I could do better elsewhere.
January 20th, 2012 at 03:02 am 1327028563
January 20th, 2012 at 04:15 am 1327032953
That is great on the Harp, too. Seems like the mortgage companies have really screwed a lot of people over with loan modifications - hopefully this program turns out better. I'd be wary, but excited!