DH and I are seriously looking at refinancing though since our loan is a USDA-RD (a federal program for rural america housing) and we had interest assistance in the first years of our loan we have to have a home inspection to determine the current market value. That amount will be used to determine what if anything we would have to pay back from that assistance. We know this because we have looked before at refinancing including as recently as last fall.
Thanks to a knee injury (2 years ago this coming August) and not being able to cleaning or getting much help (come on can I get some of you around here to at least place the empty box of cereal or poptarts in the garbage, pick up your toys and papers, dirty clothes not all over the floor so the socks go under the bed, ect) the house is in much need of being picked up and then deep cleaning being done. In additon I have chronic fatique and fibromyelgia so doing long sessions of cleaning one day means I am out of commission for the next 2-3 days at least to the point I can barely make it to the bathroom.
Sadly while I have an older child who could help she refuses to because it's not fair that my severely delayed younger child doesn't do as much even though that child does more for her ability than her sister does. DH is one who doesn't care for conflict and tends to avoid it so won't put his foot down to her and tell her to help so I am the mean mommy attempting to get a moody teenager to help with things she does not want to do. Not a good combination.
Our plan is to get the house cleaned up and presentable (so far not much help from DH or the kids on this though since a lot of DH's work has slowed down-he works for a warehouse that supplies food to resturants-still open for non dine in options in our area, ready to eat stuff at convience stores-still open for now, schools (some of the K12 schools are still doing both breakfast and lunch if there is a large enough population of students who qualify for free or reduced lunch and those areas qualify for the breakfast program as well) universities, the prison system including county jails and hospitals. Needless to say his place of employment is considered essential and he is high enough up in seniority that more in likely he would at least get some hours if everything was shut down because they would still need to feed people in hospitals and the prison system at least) we should be able to get some stuff done in the house and the yard over the next few weeks. We have a large enough property and are far enough from neighbors that we could even do outside work on the yard and stuff if we would be under a stay at home order at anytime.
Hopefully we can have everything in place to be able to call and get the refinancing done including scheduling the home inspection when this social distancing blows over so we can refinance. When we were looking at doing so last fall even with rolling credit card debts in and figuring the full amount of the assistance we received on interest while our loan payment would be more we would be paying less overall each month. Due to our having the type of loan that we do we would have to set it up as a 30 year opposed to a 15 year but if at all possible we would pay it either as a 15 year loan or pay the same amount to the loan that we are currently paying each month.
