~Stephanie~

Quote: Originally Posted by SDbeachgirl Hi All, I am new to this forum and have been reading through this thread for the Royal Playa del Carmen. One of the earlier posts mentioned a loungy reception on the sand. Does anyone know if that is still an option? If so, is there a minimum number of guests required? I'm having a small wedding (30-40 guests) but it sounds so nice? Any info you have on the different reception choices for a party that size would be helpful. I believe you might be referring to the brides that chose to have lounge furniture out on the beach, those brides rented the furniture from an outside vendor.

Quote: Originally Posted by KLC77 Hey Stephanie, I have a friend who owns a mortgage company who may be able to try to help you. I just sent him an email to see if he does anything in Iowa. I think he can do the whole US, but I'm not 100% sure. If there is anything that can get done to help your situation I know he's the type of person to find it for you. I'll let you know what I hear back from him. I was going to suggest was Grace did with the quit claiming your ex off the title... Thank you, that is just above and beyond! Wow, thank you!

Quote: Originally Posted by tcram Have you contacted your mortgage company to see what your "new" rate will be when the arm expires in September? I don't totally know how it all works but you might be surprised that the new rate is even lower then what you are currently paying. We have a 5-year arm that expires next June. We never planned on staying in this house for 5 years so it was a good option for us at the time. Anyways I contacted a loan officer about a month ago so we could refinance to get out of the arm and he told me that if the arm was to expire that day my new rate would be somewhere in the 3% range. From what he told me the new rate is fixed for one year and then it would adjust again. So many your stress with this situation is coming from all the bad things we hear on the news about arms. Check it out with your mortgage company and maybe you don't need to do anything at this point, and maybe your loan payment will even go down. I wish that were true! I called in the beginning and look at my "fine print" and mine can only go up and not down, sadly. It is to adjust like 1% or 2% every year with a cap at like 15% (holy crap right!) Thanks for all your support though girls! I am just praying I can figure something out!

Very pretty! Love the colors! They look professional, you did an amazing job!

That's it, I want to hire jean-marcus! Wow, its just amazing! And its only one picture!

Very pretty dress!

Wow, that is so awesome! I did an amazing job making the best out of the situation! Your family sounds very loving and supporting as does your new DH! I love the swine/piggy props! I'm so sorry you had to change your plans but it sounds like your life is very full of love and what more could you ask for! Thanks for sharing those fun pictures with us!

OMG! I don't know what to say, I'm so sorry! Only thing I can think of is can your photographer just send you new copies? I hope it all gets worked out, Happy birthday for what it is worth.

Wow everything looks great! Now where are our teaser wedding pictures?!

Quote: Originally Posted by Shannond4156 Steph, What a headache!! I work for a large mortgage company in town (bet you can't guess which one), so I have a little bit of insight. I would suggest calling whoever holds your mortgage now and try dealing with them. Many of the brokers have been cut off from the lenders as the market has gotten worse and don't have the same options as those who originate mortgages. Now that I am talking in jibberish, let me know if I can help. Thanks for the info, maybe I'll just try another route by going to Wells Fargo or something. I can't do anything though my Mortgage company because according to them they "service" my loan but are not a lender? Anyways, so refinancing or anything though them is out. I feel like I have hit a brick wall.

Quote: Originally Posted by GracieBebe Have you considered having your ex to a quit claim deed which means he signs over his rights to his portion of the ownership of the house to you? I know that here in CT, you can do a quit claim to sign over the house or a portion of the house to someone without having to go through a refinancing. If it is allowed where you live, you should look into it. Best of luck! I asked previously and was told that it was not an option. That would be nice though!

Michelle, welcome back and congrats! I'm so happy to hear that everything went well! I can't wait to see pictures! Trentlaw, Have a great trip! Wow, 115 people that is a lot! Report back when you return! Shannon (Shay), if you are checking in at all let us know how you are doing please. I hope your trip went well.

Welcome to the forum! Good Luck with your planning!

Hi Elvis! Welcome to the forum! You are not alone my friend, we have several grooms on here! We love men that get involved! Good Luck with your planning!

Welcome to the forum! Good Luck with your planning!

Hi Sarah! Welcome to the forum! Good Luck with your planning!

Hi Ashley! Welcome to the forum! I'm getting married in Playa del Carmen too! Good Luck with your planning!

HI Danielle! Welcome to the forum! Good Luck with your planning!

Hi Amanda! Welcome to the forum! Good Luck with your planning!

Welcome to the forum! Good Luck with your planning!

Hi Hanna! Welcome to the forum and congrats! Good Luck with your planning!

Hi Jennifer! Welcome to the forum and congrats! Good Luck with your planning!

Hi Jessica! Welcome to the forum and congrats! Good Luck with your planning!

Hi Brenda! Welcome to the forum and congrats! Good Luck with your planning!

Hi Christine! Welcome to the forum and congrats! Good Luck with your planning!