Beaten into submission

Ok, so we weren't beaten, but sure felt like it after gathering all the info for the Lender.  Submitting did we do, we submitted all the info they requested.  Good thing that we are mostly organized.  Well, except for the tax file.  I looked 5 -6 times over where it should have been and then tore the house apart.  Finally, I gave in and had Steve drive me to the storage unit so I could look there, in the dark.  Steve parked the car so the headlights shined inside the unit, I had one of those head lamps, and Steve held a flashlight while we tore that thing apart 2 - 3 times over.  We came home discouraged.  We're talking about a folder that had our taxes, W-2s, 1099s, etc. all the way back to 2006.

We woke up in the morning discussing where it could possibly be and woke Cheyenne to our chatter when she quipped that it was in the sewing room since that's where she brought it to me when she was filling out her FAFSA for her student loan.  I had looked the night before and didn't see it in there, but I went back in for yet another look.  I didn't know where to start, but I cocked my head to the side and there it was under the arm of my sewing table, it was just the right size to support the arm.  Silly me.

I left work early to go work at the Box Elder County Fair's hamburger shack and found an email in my inbox  from the insurance agent after I got home.  The email said:  "Back to the drawing board...I am going to have to find a different company to insure this property.

With all the information in, the company I have been working with doesn't want to write it because they are selling it to you for less than 1/2 replacement cost.  Replacement cost came in at $165,720 and premium comes in at $1,715.14.  So, I will check new companies tomorrow.  Will see what I can find out tomorrow."

UGH!

Today's been a slow day.  No communication with the lender and none from my realtor.  But, I got another email from the insurance agent.  It said:  "Okay, finally got another quote finalized.  $1,060 per year.  The highest they will go on the mobile home coverage is $57,200 but with the land being deducted from what you are paying, that should cover it (as long as your mortgage company is okay with that.)  It has earthquake, which is optional.  Would be $38 less without it.  See attached quote and let me know what you think."

We'll keep the earthquake insurance, THANK YOU very much.  After all we have earthquake coverage on our Magna and Bear River homes.  I AM a Cali girl and know its value.