Our refinance is complete...HOORAY!!

Well after roughly 3 months and lots of anxious waiting,

we closed on our refinance today!

I'm so happy and feeling super-blessed because we had pretty

much given up hope that this was going to happen.

Our first appraisal came in $18,000 lower
than what we needed...YIKES!

That was a tough pill to swallow...
but we didn't feel there was much that we could do about it.

But our super-awesome mortgage consultant at Wells Fargo
really went above and beyond for us
and was able to get the first appraisal thrown out

(which I've heard is quite a feat)
and got us a second appraisal that went so much better!!  

Thank you, God.

I  know there were several people praying for us
 through this entire process, and I credit their prayers
and our mortgage guys hard work for making this happen.

If you live in KC and you're needing a referral,
 I have a name for you!

So the bottom line is...we lowered our mortgage payment

by $210 a month (yippee!!)
and got rid of our PMI, which will save

us a great deal of money over the course of our loan.

I'm SO very thankful.

This date has special meaning for me this year and

I was really needing something to lift my spirits...

God delivered, and I'm knowing in my heart

that it was no coincidence our closure was on this date.

I have no pertaining picture for this post...

but I feel the overwhelming need to post one anyways...

So here's a photo that will stand testament to

why you don't let your husband do your little girls hair

on school picture day...
Rachael take note:

Nice work Pops...the signature side-pony.

And my sweetheart neckline...

I love it :)