The Sewing Mom

Yes, I’m still sorting through stacks of paper on my desk. It seems to be a never ending process. This could be because I took a break from cleaning my desk in order to clean the kitchen island. The island is where the stacks of paper seem to begin. They usually start there because that’s where the incoming mail gets dropped and typically sorted.

So, I was cleaning the island and found a piece of mail from our mortgage company that hadn’t yet been opened. It looked pretty official, and seeings as how this is tax time, I thought it might pertain to our taxes. I opened it, only to find it is a refinancing offer. Now, I’m not sure what to do. I didn’t really shop around for mortgages when we moved here, I used the company that the relocation company referred me too, mainly because they were able to give us a very good rate and a very fast closing, 10 days.

I know we have a very good interest rate right now, but with rates being cut by the Fed over the last two weeks, I think we could get a lower rate now, by as much as 1/2 a percentage point. I’m not sure that it’s worth it though to refinance after less than a year. I guess it wouldn’t hurt to call the number in the letter and find out exactly what they are offereing. The quote is free and maybe I can get some free financing advice as well.

Well, if I want to get some sewing done today, I need to get back to my paper sorting. By the way, I’ve filled the recycling bin a couple of times all ready, not to mention the number of times I’ve had to empty the shredder bin!