Took some friends paintballing this Sunday after church... no... I refrained from playing. *sad sigh* Listening to the paint flying, guns snapping, and watching beginners run around... *smirk* I so wanted to jump in and shoot people! *wide grin*
At work, I help heal people and fix their wounds... for fun, I shoot people with paintballs and cause bruises and cuts. Paradox huh?
Being at the paintball field, feeling restless... I end up running around to expend energy. I hop onto the field to video Noel and some friends playing on the intermediate field... in some ways, so satisfying to be actually ON the field... but so frustrating not to be the one playing!
Praise God that I didn't get hit by any paintballs... somehow, my car in the parking lot got hit by a stray paintball and one whizzed two inches next to me... but nothing actually hit ME. Ummmmmmmm.... somehow, I still ended up with 3-4 bruises on my left knee. I didn't do anything! Really!!! *puzzled look* Is my body that fragile? *thinking hard but wanting to play paintball next time regardless* =D
Father in heaven, thank you for keeping me safe even when I push boundaries and intentionally step into situations that I'm supposed to stay away from. Thank you, Lord, that even as I'm still struggling with not physically feeling my best... I can enjoy so much excitement and fun! I'm tired... but Lord God, thank you that I was able to enjoy the sun, wind, and excitement of being around paintball.
Thank you, Lord, that today (Monday), I had the opportunity to change my car engine oil and rotate my tires. My strength isn't quite all there and moving positions from standing to sitting caused a major headache (literally)... however, thank you that my tires got rotated because the front inner tires wore out so much that the steel belt underneath shows. *shock* The wear on my car tires were so far in deep that even when I do my monthly tire check (just done last week with plenty of tread on the main tread surface), I missed the inner tire wear... probably from the aggressive toe out poisition of my front tires (still stock). So Lord, thank you for protecting me and guiding me so that I can buy new tires before my car gets into an accident!
Lord God, you're timing and provision is awesome and beyond perfect! You provided that Noel and I were able to have today off work, sign our refinance paperwork, spend time with friends, work on my car, clean our home, AND we even got our cable internet installed for free with the monthly bill costing less than our current phone/DSL combo... WOW!!! (For those who worry that I do too much... I napped too. *grin*)
Father, when Noel and I walk as you've called and follow your lead... I see so many more blessings than when I struggle to find my own path. Thank you that you mediate decisions between Noel and I so much that neither one of us needs to fight for making the "right" choices in our marriage, our relationship, and our household. Instead, we each have our own opinions... but when we disagree... we ask you, God, for the right answer, wait (sometimes you've made us wait weeks, months, and there have been things you've made us wait for YEARS before answering)... and the outcome of each situation we truly place into your hands is resolved beyond perfect!
My car tires, the internet, refinancing our mortgage... Lord, I'm so spoiled that when I wait upon your timing and your lead... I feel like I'm rewarded with more than I deserve... I'm awed and humbled by your love, my Father in heaven, for your provisions are even greater than anything I can ever ask for or accomplish under my own power.
In Jesus' name, I thank you for loving me, amen.
Showing posts with label mortgage. Show all posts
Showing posts with label mortgage. Show all posts
Tuesday, February 21, 2012
Thursday, January 19, 2012
Mortgage and Refinance
I want a change of pace... getting tired about writing all about my cancer stuff, how I'm doing, etc. *smirk* Time for something a little different. Plus, I'm getting bored of reading manga... I've been reading every night after work for the last couple of days... too much of a good thing becomes very unsatisfying! Bummer... *deep sigh*
Back in November, I sprawled in bed as household finance numbers drifted in and out of my head. I remember tossing up a quick prayer: "God, I know Noel and I just refinanced to a lower interest rate early this year... whenever the time is right to refinance again, please let me get a notice in the mail from our lender notifying us to refinance. When that happens, I'll get the process started. But Lord, I ask that when we refinance... that you provide a super great deal with no extra fees or tricks. Ideally, I really want to get rid of our mortgage insurance sooner so that more money can be placed into repaying our principle. Thank you. In Jesus' name I pray, amen."
Early this month, I got a notice asking Noel and I to consider refinance. Yay! Time to get started!
I love seeing God provide awesome deals in unique ways. *wide grin* It's a fun game between God and I. I ask knowing that my Father in Heaven provides in crazy ways... and it's always amusing to see how my needs and many of my wants get provided for in a way I never expected or could even dream of.
This time around, I talk to the lender fairly late on Friday... right before the MLK holiday weekend. Turns out that it was also the very last day to submit loan paperwork to keep a lower mortgage insurance cost... that even a day later, I'd have to refinance with a higher pay out. Even better than this deal, it's been exactly a year since I last refinanced... meaning that I'm free to do so again. Cool huh? Perfect end of one loan period and just in time to start a new one with the most minimal long-term and short-term costs. Furthermore, since I'm going with the same lender... all fees/costs will be paid for by the lender, we get a whole 1% decrease in our interest rate (a crazy 3.25% interest), the opportunity to pay off our mortgage in 15 years while our monthly cost will still be LESS than what Noel and I currently pay a month, AND we also get the chance to nix our mortgage insurance in less than a year's time! *awe* Moreover, the required paperwork is minimal since the lender still has all our information.
Lord Father, thank you for your insane blessing!!! You take a 30-year home loan starting at 5.10% back in 2005 and turn it around into a 15-year loan at 3.25% now. Father God, it's crazy how all I have to do is just ask, sit back and wait (sometimes this is the hardest part), and you ALWAYS show me better than I ask for. I know that you don't answer all my selfish personal prayers, but at the same time Lord, you love to show off your power over the most insignificant issues and prove how much I am loved, how real you really are, how nothing is too much or too little to ask for. Thank you for growing my relationship with you, Father God, so that I can see you work so many miracles in my life, that you've grown me to have trust in you even when logically the outcome is impossible. Thank you for always providing even when I don't deserve it!
Lord God, I give the rest of this refinance into your hands. May the home appraisal be just the correct amount for the purpose and intention of our needs. May all the following paperwork and all further transactions be executed smoothly with no mistakes or irritable glitches. Give Noel and I wisdom in regards to what steps we need to take/perform in order to pay off all our debts and to wisely handle the money you've placed in our care.
Thank you, Lord, for answering crazy prayers, unspoken desires/needs, and always showing me over and over again that you care more for me personally (my relationship with you, my attitude, my heart) than anything else I could do or give or say. Thank you, Father God, for always giving me the best even when I sometimes only want what's good enough. May you please bless those who read this blog with knowing how real and powerful and wonderful a personal Father God you are.
In Jesus' name I pray, amen.
Back in November, I sprawled in bed as household finance numbers drifted in and out of my head. I remember tossing up a quick prayer: "God, I know Noel and I just refinanced to a lower interest rate early this year... whenever the time is right to refinance again, please let me get a notice in the mail from our lender notifying us to refinance. When that happens, I'll get the process started. But Lord, I ask that when we refinance... that you provide a super great deal with no extra fees or tricks. Ideally, I really want to get rid of our mortgage insurance sooner so that more money can be placed into repaying our principle. Thank you. In Jesus' name I pray, amen."
Early this month, I got a notice asking Noel and I to consider refinance. Yay! Time to get started!
I love seeing God provide awesome deals in unique ways. *wide grin* It's a fun game between God and I. I ask knowing that my Father in Heaven provides in crazy ways... and it's always amusing to see how my needs and many of my wants get provided for in a way I never expected or could even dream of.
This time around, I talk to the lender fairly late on Friday... right before the MLK holiday weekend. Turns out that it was also the very last day to submit loan paperwork to keep a lower mortgage insurance cost... that even a day later, I'd have to refinance with a higher pay out. Even better than this deal, it's been exactly a year since I last refinanced... meaning that I'm free to do so again. Cool huh? Perfect end of one loan period and just in time to start a new one with the most minimal long-term and short-term costs. Furthermore, since I'm going with the same lender... all fees/costs will be paid for by the lender, we get a whole 1% decrease in our interest rate (a crazy 3.25% interest), the opportunity to pay off our mortgage in 15 years while our monthly cost will still be LESS than what Noel and I currently pay a month, AND we also get the chance to nix our mortgage insurance in less than a year's time! *awe* Moreover, the required paperwork is minimal since the lender still has all our information.
Lord Father, thank you for your insane blessing!!! You take a 30-year home loan starting at 5.10% back in 2005 and turn it around into a 15-year loan at 3.25% now. Father God, it's crazy how all I have to do is just ask, sit back and wait (sometimes this is the hardest part), and you ALWAYS show me better than I ask for. I know that you don't answer all my selfish personal prayers, but at the same time Lord, you love to show off your power over the most insignificant issues and prove how much I am loved, how real you really are, how nothing is too much or too little to ask for. Thank you for growing my relationship with you, Father God, so that I can see you work so many miracles in my life, that you've grown me to have trust in you even when logically the outcome is impossible. Thank you for always providing even when I don't deserve it!
Lord God, I give the rest of this refinance into your hands. May the home appraisal be just the correct amount for the purpose and intention of our needs. May all the following paperwork and all further transactions be executed smoothly with no mistakes or irritable glitches. Give Noel and I wisdom in regards to what steps we need to take/perform in order to pay off all our debts and to wisely handle the money you've placed in our care.
Thank you, Lord, for answering crazy prayers, unspoken desires/needs, and always showing me over and over again that you care more for me personally (my relationship with you, my attitude, my heart) than anything else I could do or give or say. Thank you, Father God, for always giving me the best even when I sometimes only want what's good enough. May you please bless those who read this blog with knowing how real and powerful and wonderful a personal Father God you are.
In Jesus' name I pray, amen.
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