"The Show Must Go On"

[wishing, hoping]

So I think I am back to square one. This lender was talking in circles. I was trying to get him to land. Between him and H I have a huge headache.

The lender at first told me we needed a payment schedule in the PMSA for the underwriter's review. When I again told him I was concerned how it would affect H's chance to refi, he finally told me yes, it could, because H is indeed skating on thin ice. His credit score is barely above 621 and is debt to income is almost 50%. Another debt would more than likely blow the deal. So the lender said there needs to be repayment terms or the $3000 needs to be completely removed (which I won't do) or we can word it that I get the money from the sale of the house (see what I mean, square one).

So I am telling my attorney to leave the language and let H attempt to refi and if he can't then it is on his head and he can't blame me. But don't think I am letting him off the hook of this $3000. I am trying to use my smarts. It does me no good if H cannot refi the house.

I have a huge headache. I am going home, buying some wine and paper mache-ing a pinata.

WH