Tuesday, September 23, 2014


Since the beginning of August I've been trying to get a written explanation of the PMI removal process from our current mortgage holder (I won't bore you with the details of why).  After speaking with several customer representatives with a poor command of the English language who clearly did not understand the basics of a mortgage, I sent several emails and made several more phone calls.

Over a month passes with no response to my requests.  So I send a final email and just happen to end my email with "Gratefully, Ally R., Esquire."  And BOOM! I receive a certified letter, signature required from an assistant vice president on card stock with a real blue ink signature.  It never ceases to amaze me how people treat me differently when they learn that I am/was an attorney.

Before we bought our home, I lived in a loft that had occasional maintenance issues.  If I sent an email from my gmail account, I often never received any response whatsoever.  I found that if I sent the exact same e-mail from my work email account (a law firm), I would received a response within minutes.  This was over the course of years with the same building manager; it's like he didn't remember I was an attorney unless I used the work account, and I guess only attorney tenants deserve responses?

Oh well, at least my continuing ed and paying dues has some upsides while I don't work.

p.s. I'm thankful Jackson and I will be able to see my oldest niece play softball tomorrow evening.


Anonymous said...

Lots of folks do not know that they are not require to pay PMI (mortgage insured) if they have paid 80% of the VALUE of their home. Even if its not 80% of loan. Have an appraisal done acceptable to bank . Bank is not going to tell you about this unless you ask. Look at mortgage bill to see what you may needlessly paying every month. Also glad you got out of the "loft". You are more frugal than I realized. JK. Dr. RJJ

lisacng @ expandng.com said...

So much to learn about mortgages. They certainly don't make it easy for us to understand. Glad you got what you needed. Sometimes people need a reminder who they're talking with. Work that degree, I say!