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But I will go elsewhere next time. The first step that you as the consumer should take is to owe up to whatever it is that you owe and what about your spending habits needs to be changed. Have you been doing some of this testing already at Princeton, did you mention, Dave?
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Expenses - Repairs and maintenance are usually the responsibility of the landlord. It started out rather easily, with an $80 lunch here, a $200 dinner there all, I could eat thousands and thousands of such meals without ever running out of money. But don't you still find the choice bewildering. If the buyer is assuming your loan, you should contact VA and obtain a release of liability before the sale is closed.
If you read an earlier part of the thread, I mentioned to Fiesty that possibly a great deal of the "cover-up" angle to this story is so that they can cover their own incompetence. Then in early 1993, when interest rates fell even lower, you refinanced again, paying off the earlier loan and paying three points, or $3,000, for the new loan. The willingness of speculators to push their risk on rising real estate prices creates an atmosphere that makes it easier to con someone into taking a new mortgage when they should not.
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Some clients may not have the time or knowledge to compute an amortization schedule fortunately, many brokerages will provide these for them at no additional charge.