So I thought that refinancing the house was going to be all swell. I used Lending Tree and found a deal that was generally better than anything I could find calling around here. My payment was going to be about the same, despite losing some of the equity in our separation, which is about what I was hoping for. I wouldn't even need to show proof of income because my credit is so kick ass. Then when the paperwork started flowing, things went to shit.
First off, every other page had a different value for the loan amount and the stated value of the house. That's not cool. Then, to my big surprise, they added PMI to the loan payment, which they did not quote to me. I don't pay it now, I'm not going to ever, no matter what the loan-to-value ratio is. That's why i did a 85/5/10 deal last time. So I flipped out on the guy and said it was unacceptable, and told him to cancel everything. Now I have to start over.
Generally speaking, I don't get stressed out anymore, and I don't let external forces get to me. But when someone tries to screw me, I totally lose it. (I don't think they were intentionally trying to screw me, I just think they're incompetent.) I went over to have dinner with friends and I noticed on the way there that I had the tightness in the chest and the clenched jaw and all of the physical manifestations of stress. That's such a completely shitty feeling.