My dad once told me, "if you're not liberal at 20 you haven't got a heart ... but if you're not conservative by 40 you haven't got a brain!" And I laughed, because I knew deep in my soul I'd always be a pinko feminist tree-hugging Democrat. Nothing was going to change that.
And then I tried to refinance.
It was a seller's market when I purchased my condo, and I want to take advantage of the current low interest rate. Even after the housing market self-destructed, I figured I was still in a decent position. My credit is good, I've never missed a payment, and my mortgage is with the same bank I've been with all my life. Should be pretty simple, right?
Ha. Ha. Ha.
Long story short, after weeks of meetings and phone calls and emails and appraisals and fees, I've been rejected not once, but twice by my bank. They even told me they couldn't work with me through the Making Home Affordable program. When I went to the Credit Union, however, I was told that the only people who could use that program is my bank. So it's not that they can't help me refinance ... it's that they won't.
A tiny, angry voice in my head wants to know: "How come all those people who made bad decisions get a break, and I don't?" With dawning horror, I identify the source of the commotion. It's my inner Repbulican, who up until now has been gagged and bound to a chair. "This is bullshit! I'm a hardworking American - I pay my taxes!"
Bashing her over the head with a mallet, I drag her back into the corner where she belongs. Let's hope she stays unconscious for another couple decades... She scares me.
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