The Shrine

<div style='font: bold 9pt ; text-align: left; '>Settling on my house tomorrow. Just got the cashiers check for closing costs. Aye!</div>

<div style='font: 12pt "Cooper Black"; text-align: left; '>Yeah, i closed on the 15th of this month (they are renting back till June though), that cahiers check is hefty stuff, sucks!</div>

<div style='font: 10pt "EngraversGothic BT", "Copperplate Gothic Light", "Century Gothic"; text-align: left; '>15th? Ouch. The closing costs get cheaper during the end of the month, because of the prorating of the mortgage.</div>

<div style='font: 10pt "EngraversGothic BT", "Copperplate Gothic Light", "Century Gothic"; text-align: left; '>I could probably get a house next week if I wanted to, but I really want to wait to build up downpayment funds. I'm planning on a 80/20 loan to bypass the PMI bullshit. (Plus, it's nice to be able to speed-pay the 20% loan and have a lower monthly payment.)</div>

<div style='font: 12pt "Cooper Black"; text-align: left; '>we had to get 2 loans 80/15 and 5% down to bypass the PMI also. The monthly payments are cheaper with a second trust (not to mention tax deductible on the interest) so i dont even know why PMI was invented.</div>

<div style='font: 12pt "Cooper Black"; text-align: left; '>Not our choice, the sellers had to settle with us on the 15th in the morning so they could settle with the people they are buying from in the afternoon.</div>

<div style='font: 14pt "Sans Serif"; text-align: justify; padding: 0% 15% 0% 15%; '>Cool. Congrats.</div>

<div style='font: 10pt "EngraversGothic BT", "Copperplate Gothic Light", "Century Gothic"; text-align: left; '>PMI's just a scam to get your money.</div>