I Have A Slice of the American Dream and It is a 30 Year Nightmare

Well, we did it. We are buying a beautiful, brand new house, planning our wedding, and getting ready to move. The cramped trailer we have lived in will just be a memory. The house we are buying is a 4 bedroom, 2 1/2 bath, 2 car garage slice of the American Dream.

However, my fiance and I sigh and realize it is a 30 year nightmare we will be paying on for a long time before it is truly ours. By the time the house is paid for, we will be too old to travel like we wanted to. England, Ireland, Scotland and Wales will just have to wait. Well, at least we will get Senior Discounts.

But, knowing I will be getting married in my house and gliding down my stairs toward my intended while the stereo plays and our friends and family look on, is going to be worth it. Getting married at home is going to be something we remember and we will be able to enjoy a nice honeymoon with the money we saved. Maybe even rent a nice vehicle to pretend is ours.

The house is in the process of being built now and we watch it's progress each Sunday. Hopefully, it will be completed in about 3 weeks. It is amazing how much work goes into a house and how plans on paper become reality.

When we burn the mortgage papers in 30 years I want a big bonfire and I will dance around it with my husband, children and grandchildren. Then I will pack my bags and make that trip I always wanted to make and complete some more things on my "do before I die" list. At least "buy a new house" is checked off on my long list. What's next? oh, I see, it says "write a best selling novel"...hmmmmmmmm.

Caitlyn Carrington has been writing since the age of 10. She used to make homemade cards with poems for her family and friends. She is an accomplished poetess and writer and busy working on her novel "the celtic soul". She has been nominated for "Poet of the Year" from International Poetry Society.

In The News:
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://abcnews.go.com/Business/Economy/wireStory%3Fid%3D5927588cid=1253042931ei=HUfqSI-XFoLg6AOJybVCusg=AFQjCNEGdUpu1xhETshRy80F4HsaV5G9sAimg src=http://news.google.com/news?imgefp=m-ec8ozx8lgJimgurl=a.abcnews.com/images/Business/abc_foreclosure_081001_mn.jpg width=80 height=60 alt= border=1brfont size=-2ABC News/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.bizjournals.com/atlanta/stories/2008/10/06/daily9.htmlcid=1253042931ei=HUfqSI-XFoLg6AOJybVCusg=AFQjCNFBLNbfTpfEQGby70-nKz9No7q5kQCCCS of Greater Atlanta survey: 65% qualify for housing bill relief/abrfont size=-1font color=#6f6f6fBizjournals.com,nbsp;NCnbsp;-/font nobr1 hour ago/nobr/fontbrfont size=-1bMortgage/b lenders participating in the program can allow “at risk” borrowers to brefinance/b their current bmortgage/b into a new fixed-rate loan insured by the b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.boston.com/business/articles/2008/10/05/federal_bailout_lacks_control_of_home_loans_to_aid_owners%3Fp1%3DWell_MostPop_Emailed6cid=1253042931ei=HUfqSI-XFoLg6AOJybVCusg=AFQjCNGgMAq-WB-OumwS1P5wnXRn5kJfRAFederal bailout lacks control of home loans to aid owners/a font size=-1 color=#6f6f6fnobrBoston Globe/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.mercurynews.com/breakingnews/ci_10645598cid=1253042931ei=HUfqSI-XFoLg6AOJybVCusg=AFQjCNE2IBVKTwJzlwylnfJF4y-O9OpzUgBailout skips strapped homeowners, advocates say/a font size=-1 color=#6f6f6fnobrSan Jose Mercury News/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://blog.mlive.com/followthemoney/2008/10/mortgage_official_federal_gove.htmlcid=1253042931ei=HUfqSI-XFoLg6AOJybVCusg=AFQjCNF0omKBRT7dnCWShsYYI0ePZGCvXwbMortgage/b official: Federal government has power now to reduce b.../b/a font size=-1 color=#6f6f6fnobrMLive.com/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.philly.com/inquirer/business/20081005_Worthy_foreclosure_rescue_.htmlcid=1253042931ei=HUfqSI-XFoLg6AOJybVCusg=AFQjCNFJcRJnKPOPTDMcCgKLshd2zM443AnobrPhiladelphia Inquirer/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.sfgate.com/cgi-bin/article.cgi%3Ff%3D/c/a/2008/10/02/BU6U139QH7.DTLcid=1253042931ei=HUfqSI-XFoLg6AOJybVCusg=AFQjCNGM7oLri_1CbvYiulMSEjX5AaeewgnobrSan Francisco Chronicle/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1253042931hl=ennobrall 576 news articles/nobr/a/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.marketwatch.com/news/story/mortgage-loan-applicants-welcomed-family/story.aspx%3Fguid%3D%257B9202D88B-6F34-453F-AC9F-55CFBBBDCF69%257D%26dist%3Dhpprcid=1254808303ei=HUfqSI-XFoLg6AOJybVCusg=AFQjCNG50r0TGFg_K5Z_d_KmVex64u-BKwbMortgage/b Loan Applicants Are Welcomed at Family First Federal b.../b/abrfont size=-1font color=#6f6f6fMarketWatchnbsp;-/font nobr3 hours ago/nobr/fontbrfont size=-1The credit union provides various bmortgage/b services including construction loans, bmortgage refinance/b and home equity options. Anyone who lives, works, b.../b/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.dallasnews.com/sharedcontent/dws/bus/stories/DN-mortgages_05bus.ART.State.Edition1.26e441e.htmlcid=1254756855ei=HUfqSI-XFoLg6AOJybVCusg=AFQjCNGbO10eA8dQ97HVHPhOtWcRLBj7qQMany pieces go flying from bmortgage/b implosion/abrfont size=-1font color=#6f6f6fDallas Morning News,nbsp;TXnbsp;-/font nobrOct 5, 2008/nobr/fontbrfont size=-1quot;People were [brefinancing/b] to pay off other debts,quot; said Ms. Watson. quot;The saying was, #39;Why get a car loan when you can get a bmortgage/b loan and write off b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.tuscaloosanews.com/article/20081005/NEWS/810050277/1214/SPORTS04%3FTitle%3DMY_TURN__President_Bush_s__administration_is_not_to_blamecid=1254756855ei=HUfqSI-XFoLg6AOJybVCusg=AFQjCNEb-ZrhfQVgzaRMHphCrj-wTHwQPgMY TURN: President Bush’s administration is not to blame/a font size=-1 color=#6f6f6fnobrTuscaloosa News (subscription)/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.courant.com/news/opinion/editorials/hc-digbrflets1003.art3oct03,0,2510204.storycid=1254756855ei=HUfqSI-XFoLg6AOJybVCusg=AFQjCNHvenEHt4T-yNK7ZJ2wRcFHsGf-xAProtect Taxpayers/a font size=-1 color=#6f6f6fnobrHartford Courant/nobr/font/fontbrfont class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1254756855hl=ennobrall 57 news articles/nobr/a/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.csmonitor.com/2008/0922/p14s01-wmgn.htmlcid=1250039486ei=HUfqSI-XFoLg6AOJybVCusg=AFQjCNFR19s9V7HouplX_aUo9rW1qOgtwQimg src=http://news.google.com/news?imgefp=G3YZ8nTFHc0Jimgurl=www.csmonitor.com/2008/0922/csmimg/FMORTGAGE_P1.jpg width=80 height=59 alt= border=1brfont size=-2Christian Science Monitor/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.reuters.com/article/reutersEdge/idUSN1552104420080915cid=1250039486ei=HUfqSI-XFoLg6AOJybVCusg=AFQjCNFqcYWR0hQ-s5dnK0TFY5nXaytJUgbMortgage refinancing/b wave seen silver lining to market woe/abrfont size=-1font color=#6f6f6fReutersnbsp;-/font nobrSep 15, 2008/nobr/fontbrfont size=-1Yields on bmortgage/b-backed securities that also dictate rates lenders can offer also fell, albeit to a lesser degree. The 30-year fixed rate on Monday b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://seattlepi.nwsource.com/money/378965_real13.htmlcid=1250039486ei=HUfqSI-XFoLg6AOJybVCusg=AFQjCNHUyY9E3wjKV8OftpqHS50EibLh-gLower rates don#39;t guarantee homeowners can brefinance/b/a font size=-1 color=#6f6f6fnobrSeattle Post Intelligencer/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.usatoday.com/money/economy/housing/2008-09-17-mortgage-applications_N.htmcid=1250039486ei=HUfqSI-XFoLg6AOJybVCusg=AFQjCNEBV4VZK0skOnlc_D4GLcncbDw0XwApplications to brefinance/b mortgages surge as rates drop below 6%/a font size=-1 color=#6f6f6fnobrUSA Today/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.washingtonpost.com/wp-dyn/content/article/2008/09/18/AR2008091804060.htmlcid=1250039486ei=HUfqSI-XFoLg6AOJybVCusg=AFQjCNGvKpGVEq5Yx7ODn6gZ_xRUmCAj5QFickle bMortgage/b Market Demands Quick Decisions/a font size=-1 color=#6f6f6fnobrWashington Post/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.boston.com/business/articles/2008/09/18/lenders_woes_could_aid_borrowerscid=1250039486ei=HUfqSI-XFoLg6AOJybVCusg=AFQjCNGscXQ6PQWOEItrVDLwqYs1TzOj2AnobrBoston Globe/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.newsday.com/services/newspaper/printedition/thursday/business/ny-bzmort185847660sep18,0,1754197.storycid=1250039486ei=HUfqSI-XFoLg6AOJybVCusg=AFQjCNHQcqEu3tOEKwOFlrvkt_igjucpcAnobrNewsday/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1250039486hl=ennobrall 221 news articles/nobr/a/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://online.wsj.com/article/SB122325772150706655.html%3Fmod%3Dspecial_page_campaign2008_mostpopcid=1254284878ei=HUfqSI-XFoLg6AOJybVCusg=AFQjCNHx_taxbIJc0PkXdFiQB51glVy1VQNot Everyone Should Own a Home/abrfont size=-1font color=#6f6f6fWall Street Journalnbsp;-/font nobr2 hours ago/nobr/fontbrfont size=-1Americans can take out a bmortgage/b more or less as a one-way bet. If you can#39;t afford the repayments and can#39;t brefinance/b, you just send the keys back to the b.../b/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.marketwatch.com/news/story/homesaverprogramorg-loan-modification-saves-desperate/story.aspx%3Fguid%3D%257BFD213C8F-9774-420A-8AAF-E433C3CA5D88%257D%26dist%3Dhpprcid=1254820845ei=HUfqSI-XFoLg6AOJybVCusg=AFQjCNGr8ReB3bfVGUwHHlW837wSsg71wQhomesaverprogram.org Loan Modification Saves Desperate Couple from b.../b/abrfont size=-1font color=#6f6f6fMarketWatchnbsp;-/font nobr2 hours ago/nobr/fontbrfont size=-1The mounting medical bills prompted the couple to brefinance/b their $350000 home in Chicago, IL, from a $200000 30-year fix-rate bmortgage/b at a 6.0% interest b.../b/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.startribune.com/business/30453934.html%3Felr%3DKArksLckD8EQDUoaEyqyP4O:DW3ckUiD3aPc:_Yyc:aUnciatkEP7DhUsXcid=1254804461ei=HUfqSI-XFoLg6AOJybVCusg=AFQjCNGwYbXOpAVVzeV0qM0RkVG4vFfEoACommercial real estate feels pinch/abrfont size=-1font color=#6f6f6fMinneapolis Star Tribune,nbsp;MNnbsp;-/font nobr3 hours ago/nobr/fontbrfont size=-1Most of the ones Bushman said he#39;s familiar with involved small retail properties that failed to attract tenants or were unable to brefinance/b. b.../b/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.freep.com/apps/pbcs.dll/article%3FAID%3D/20081004/BUSINESS01/810040329/1014/BUSINESS01cid=1254177445ei=HUfqSI-XFoLg6AOJybVCusg=AFQjCNFdsbdnFARkgukxVXOicvPMwmKUUAHow to handle the current economic crisis/abrfont size=-1font color=#6f6f6fDetroit Free Press,nbsp;United Statesnbsp;-/font nobrOct 5, 2008/nobr/fontbrfont size=-1Q: My bmortgage/b broker called today and said now is the time to brefinance/b and bmortgage/b rates are at their lowest in years. He said he could get his appraiser b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.freep.com/apps/pbcs.dll/article%3FAID%3D/20081003/BUSINESS06/81003046/1019cid=1254177445ei=HUfqSI-XFoLg6AOJybVCusg=AFQjCNHSDnKoxwcCLpR0gq-nPrQ_sC8EvAFinancial advisers answer your questions/a font size=-1 color=#6f6f6fnobrDetroit Free Press/nobr/font/fontbrfont class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1254177445hl=ennobrall 5 news articles/nobr/a/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.tradingmarkets.com/.site/news/Stock%2520News/1921464/cid=1254444536ei=HUfqSI-XFoLg6AOJybVCusg=AFQjCNFrR22XxOEx4BChcwz1HpixSUBf1wChicago Tribune Mary Umberger column: If you can buy/brefinance/b now b.../b/abrfont size=-1font color=#6f6f6fTrading Markets (press release),nbsp;CAnbsp;-/font nobrOct 5, 2008/nobr/fontbrfont size=-1b.../b bmortgage/b planner at Mobium bMortgage/b in Chicago. quot;If you#39;re thinking about now rather than later to buy or brefinance/b, now is better because we at least b.../b/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.housingwire.com/2008/10/06/sec-acts-against-la-brokers/cid=0ei=HUfqSI-XFoLg6AOJybVCusg=AFQjCNGzcJryEGqPDzUtySgEZxVIgswOlgSEC Acts Against LA Brokers/abrfont size=-1font color=#6f6f6fHousing Wirenbsp;-/font nobr45 minutes ago/nobr/fontbrfont size=-1The brefinancing/b of borrowers’ homes generated both “short term savings” between the old and new bmortgage/b payments and “equity removed from the investors’ b.../b/font/div/font/td/tr/table
mortgage refinance - Google News


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