The appraiser came and went.

well that was fun. basically he said a few things that I didn't know and that have changed since the last time that we looked into refinancing.

So lenders make the appriaser take comps from the last three months - well that's just peachy. No one has sold in the past three months, not even a foreclosure - um, it isn't b/c we are all stuck here, it's b/c we LOVE LIVING ON A LAKE!!! We have a condo on a lake, and it is super nice. In our area, you cannot find a place like this with the views that we have. But alas, the few ruin it for the many.

So hubby and i are taking bets as to how high (or low) our appraisal comes in at. None-the-less, even if our appraisal comes in high, we still might be okay with our payment not going up, so that rocks our socks to be able to get off of our stupid adjustable arm (thank you mortgage company for taking advantage of us and not educating us and realtor that we used, thank you for not guiding us the way that you should have) and to us, well, this was a VERY expensive lesson, one that our children will not have to learn on their own.