It wasn't deleted. It was there all the time. You were just looking at a page from your computer cache. In the future all you have to do is refresh your page and you can see it.

Hi Shaun, Why can't the existing mtg company send the money we've paid in for our property taxes to the new mtg company and then *they* can pay them when they are due? I just dont understand this. Can someone explain it to me? I can explain... but unfortunately, the answer's not going to be very satisfying. The reason is beacuse the servicing company (the place you send your loan payments to, who manages the distribution of the cash, and subsequent bookkeeping of where it all goes, and when) is not your mortgage company. It may be a subsidiary of them, or a 3rd party contractor... but its not the actual mortgage company (even if it has a very similar name.) The servicing companies business model is to have as many loans managed per month, by the least number of clerical administrative staff, at the lowest possible hourly rate. In order to accomplish this, their processes are *EXTREMELY* dumbed-down and stretched out. *NOTHING* happens quickly on any out-of-the-ordinary request, and all standard changes (like the turnover of escrowed funds for taxes & insurance when a refinance occurs) is handled in a batched-out manner once a month during a special shift. In short; It COULD be done the way you logically just described... but the rate/fee driven public doesn't want to pay the higher servicing costs for that kind of service. Hope that clarifies (if not exactly creating the warm & fuzzies.) Cheers, Dave Donhoff Leverage Planner

Joy - thanks for answering - and I found it! After seeing your offer, I went back to the tutorial - read it carefully to make sure I had the right one, and sure enough - I was supposed to look for it under the name of "Distort"....and it was where it should have been. I put it in the Toadie folder and was looking there of course...so looked under the regular plugins and there it was! Arrrrgh - I can be sooo dense sometimes. This is the tutorial - hope I get time to try it soon, now that I've found the plugin! http://bunnysattic.com/tutorials/gerberaandfreesiatag.html Elaine http://bunnysattic.com/tutorials/gerberaandfreesiatag.html\\

Same here, Saltidog. I would never and have never signed a Buyer agency agreement. I buy direct through listing agent, or at auctions, or FSBO. Why obligate myself contractually for a long period of time to someone I don't know? If that person is good, he/she will bring me a great house and I will buy it anyway, so commission earned. If he doesn't want to, someone else will. The listing agent always will. Reminds me of the time I had a house with an indoor pool listed, which not everyone wants, so this was the only house I ever had that didn't sell right away. When the listing expired, I already had an accepted offer at my price, but apparently the Realtors who trolled expired listings in those pre-internet days were unaware of this. One sent me some nonsense via fax about how if the house had been listed with HIM, I would not have FAILED so miserably in selling (yes, caps and bolded) and would not be in anguish now with my languishing property. Yes, truly, language like that. He used the word "I" about 25 times in a short paragraph. It made us laugh out loud. Where was he with all these "qualified buyers who would buy my house" the day before it expired? Or the week or the month before it expired. Pants on fire.