It sounds like you are in a good place. I wish your H would get there, too. W and I are getting along pretty sell through this, and cooperating! It makes it so much easier. The loan officer that I've been working with commented on how odd it was that I was disappointed that the appraisal came in such that W would not get as much as I thought she should. She said most people she has seen in that situation wanted the appraisal to be low, so that they would have to pay as little as possible. I just don't see it, at least for me. Even in a D, I don't see why you can't treat people the way you'd like to be treated. It all comes back in the end!
