FHA Mortgage Insurance Reductions and Arthroscopy Surgery

Two surgeons preparing for operationUnlike some patients recovering from surgery, I will not bore you with the photographs of my procedure; although, if I say so myself, they are quite lovely arthroscopic photos of my rotator cuff surgery. They look like planets in our solar system. Perfectly round and eerily colorful. I suppose they give you photographs like automobile?mechanics hand over the used parts after replacing your engine block, just to prove it was completed.

The last thing I recall was a nurse trying to stick a scopolamine patch behind my ear, and she was about to adhere it on the left side, right where they told me they were going to inject me with a block in my neck. So, at least I was awake enough to suggest it might be better on the right side of my body, and she agreed. Make all the jokes you want about patient involvement, but?the patient has more invested in this transaction than any of her doctors or nurses. I sorta resent having to seize responsibility?for my personal health care, but in this day and age it’s more necessary than ever.

The doctor asked me several times to turn my head to the right and look at the wall. They stuck a needle in the top of my right hand for an IV, and you know what? There is a distinct advantage to growing old because while your hands may shrivel away, your veins, believe it not, get bigger and protrude, making it very easy to insert an IV. ?I heard him say the medicine was administered. Next thing, bam, I am awake. Surgery was over. Not even groggy awake, but pretty clear headed. Where was my left hand? OMG. I seemed to be missing my left hand. Pressing the buzzer by my bed I asked the nurse if perhaps they had misplaced an appendage. I had flashes of being a Koren War?vet and waking up on M.A.S.H. ?My hand was right there, all right, next to my side, but that whole part of my body had no feeling in it whatsoever.

This could only mean that I had been very thorough with my insistence on drugs, and a blocker and more drugs. There was absolutely no pain. I was amazed. Isn’t modern science wonderful? I mean, imagine if I had surgery under the situations facing guys in the early 1900s, the best they could do back then was pour bourbon down your throat and stuff a rag in it.

My husband would tell you, on the other hand, that I was pretty much out of it after my surgery, especially since he was the one to plant me into bed. Egg drop soup, a little fried rice and my cellphone. What’s not to like? Yeah, I know I decided to take the day off to recuperate but I could answer voice mails and emails and text messages. Not like I had anything else to do. So if I used profanity when you called me, I apologize.

Since we are rolling into end-of-the-month closings right now, and I had a transaction close yesterday, some of them are not. The main reason is mortgage lenders are calling their buyers to say, hey, if you delay closing for a couple of weeks, we can lower your mortgage payment. FHA mortgage insurance has just dropped to .85. That’s significant. Right in the middle of closing, they’re doing this. I can understand why but not every seller is willing to extend, especially not a seller who clearly said if we don’t close on January 30th, she’s canceling the transaction.

It’s a seller’s right to expect to close on schedule, and buyers are bound to the purchase contract. I imagine this is happening all over Sacramento right now, as I’ve received a number of requests for a delay in closing. The only thing it means to me is my Sacramento Board of REALTOR Masters Club qualification will roll into February instead of earning that status in January. And what the hey. It doesn’t matter. What matters is if my sellers are happy. Some of my sellers could not believe I was calling them and working after surgery but dangnab it I can’t just lie there in bed.

The other piece of news I have to share, if you’re interested, is the fact that even though both of my MRIs showed a tear, there was no tear to repair in my rotator cuff. So the arthroscopy surgery was not as invasive as expected, and I’m actually able to use my fingers after all. That was my biggest nightmare, and that is not a problem now. Eureka!

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