High Finance

So the refinance is back on. I think. I'm hesitant to say anything for sure at this point since they have been so...inconsistent but I just got a phone call from my processor saying that he'd had to run it through underwriting and had a counteroffer for me - all the closing costs can be rolled into the loan + the total loan amount will be $1,500 less than before (which also makes my monthly payment about $50 lower). According to what he told me today, I will only have to bring about $150 "to the table". Huh?

I'm not sure whether they miscalculated before or if they just decided it makes more sense to lower the costs in order to keep me with them. But since it costs me nothing to keep going at this point (other than the inconvenience of getting another appraisal done), I told him to keep going. So stay tuned, I guess.