101 in 1001 {III}: 005 refinance the apartment [completed 04.15.13]

it's unfortunate that my not-entirely-unjustified fear of the co-op board caused me to delete all of the posts i wrote about how joe and i found and bought our apartment a few years ago; the ins and outs of that process (ten letters of recommendation! home visits from inspectors in two states! my father forced to sign an affidavit saying he would never have a dog!*) were much more interesting than this winter and spring's** clerical shenanigans in pursuit of a new and improved loan. that said, this dance of the seven tax forms has made me feel much more adult than becoming a homeowner did; like booking and keeping your own dental appointments, refinancing for a better interest rate is the quotidian TCB of a grown-ass woman. my teeth are clean.

*because new york city real estate nonlogic makes you crazy, joe and i thought at one point that we would be more attractive to the board if we included my dad as a non-resident co-applicant. actually it made no positive difference, and we have been tied together like freakish six-legged-race contestants ever since.

**it took four months, all told. just looking at a bank statement or a fax machine now makes me feel itchy.

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