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Question for you!

Do you perceive yourself as a loser or a winner?

Your past actions have been to take the easy way out and rely on others to blame when you come up short i.e. relying on a hyper appraisal.

If you have a lock on loser,sell and crawl into an apartment never to buy again.

If however you've finally elected to control and not be controlled,keep the modest dwelling(you've not worked smart enough yet to rate a better home),refinance with a 15 year fixed after you've carefully shopped rates,cut your personal expenditures budget and then get really tough by getting a second job,blow off your credit cards and save a mimimum of 10% of your gross earnings.

You elect-winner or loser.

Fix bayonets and charge-take no prisoners!!

Good luck!
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