My sign-at-home mortgage docs arrived yesterday.

My new principal balance is $180,415.20. My new PITI payment is $1081.62.

Why the difference? Well, despite telling me they would transfer my existing impound account, they have added the funds for a new impound account to my balance. This means I will not have to make an additional deposit in a few months. It also means I will receive a refund from my existing impound account. The balance in the account is $1036.15.

If I look at my current principal balance, it is $178,617.49. The interest which will accrue in June will be $781.46. The new impound account is being funded with $1,243.47. Those three numbers add to $180,642.42, which is $227.22 less than the principal balance of my new mortgage. So, there really are no fees with this streamline refinance.

My AT&T contract is now up (on 2 of our 3 phones), so I went to Ting's website last night, intending to sign up. They have eliminated the simple flip phone! I did find a thread in their forums stating they have replaced the one they offered (a Vero) with a different simple flip phone (a Samsung m370). However, it does not appear on the screen as a choice. So I'm trying to find out what the deal is with that. My mother will not use a phone with a million buttons. She just wants something simple with large buttons.