Yesterday, I received some good news and some bad news. Let's go for the good first. A few months ago, I wondered to myself why we couldn't get a lower mortgage rate. J and I had purchased our condo at the height of the housing boom (and just before the giant dip in mortgage rates), so our 30-year fixed rate was quite high at 6.5%. Since applying for that loan and purchasing our home, our financial situation has changed (we went from 2 full-time income to 1 full-time and 1 measly freelancing) and we have a baby on the way. So I took a full day to get all our financial information in order, took a deep breath, and called our mortgage lender. It took...