Our December and January snows melted long ago, seeped into aquifers underground or evaporated and now our air is as dry as Arizona on a damp day. Our grasses have browned like winter wheat ready to harvest, worse in some spots, black, Karen says, as if a flash fire flew down from the James River Face. I'm thinking about buying a pump to shift water from Elk Creek to my field garden, and a solar panel to power it or maybe I could harness the energy of the stream itself and microhydro the hydro.
Not really, instead I'm learning new definitions of residential mortgage loans, mortgage originators, prepayment penalties and high-cost mortgages. Yes, mortgages. For years I've resisted using that term that way. A mortgage is the document filed to bind your home or other real estate to your lender, to ensure that you live up to the promissory note you signed when you borrowed money against your house. You got a mortgage loan and gave a mortgage. But I'm finally giving up. Congress, in its new financial reform bill, uses the word both ways, as does everyone else. I'm sorry, shoot, now I can't even remember your name -- the elder lawyer at Citicorp Mortgage who shook and shuddered when folks in the office said "mortgage" instead of "mortgage loan" -- you're the last of a breed, my friend.
It's nothing after all, no worse than saying the sun sets.
"Stop shaking," says Virginia. "This, too, shall pass."
2 weeks ago