You don’t know stress till you have to re-upload all the loan modification documents, both the initial ones and the additional information ones, to your mortgage company a month after you sent over the first batch. They were all there last week when I called to check in, why they weren’t there today I don’t know. But I at least got a loan officer on the phone who gave me her personal email (not the modification assistance general mailbox) to send these docs directly to her.

Word to the wise: always track every conversation with mortgage or home equity loan companies. Even if it’s just the date, who you spoke to, and the result that everything is “in process.” You never know when all that will be essential, even the simplest of interactions. Thank goodness I love spreadsheets.