Second drink is on you James!

Buy a couple more bottles of that wine and drink it every time you are doing mailers.

I am legendary at my day job for the amount of coffee I drink!

I think you are an expert, and you have been around the block like myself, and I try to steer new comers the right direction, but like they say you can lead a horse to water, but you cannot make him drink.

I believe you can still do a rate/term immediately if you go all cash. if doing a cash out refi, shop around for one that does it in 6 months (i pulled this off).shop in nov/dec when everyone's drinking the egg nog. good deals there.

I was in the car wash on a saturday morning drinking my coffee.

What I would suggest is taking a managing Broker out to dinner or drinks with you and you wife and ask him/her for a little guidance.

We would definitely like to meet up again for dinner and/or drinks!

I would just call the number on the sign and ask to buy him a drink.

If they end up enlarging the vent hole to remove a dessicated raccoon than then it's one more story to tell come time for your next drink date with friends, and you tell your guy to brick and mortar up the hole when he's done.I would only use a chimney specialist when I decided there was a need for one...identifying the blockage doesn't qualify.Don't wait till Monday, have your guy evaluate now!