Well, I didn't get approved for an HPO loan because they figured I would have no problem getting my mortgage increased. I'd better get some money back for this! GRR! Interest on top of 18K -- great!!

And the woman I dealt with -- what a bi...I mean she was extremely unpleasant on the phone. I am always really polite.

Officer: Hello, [name withheld], HPO loans officer.
Me: Hi, this is Rosie Tulips returning your call.
Officer: Ah yes.
Me: How are you? [I figured I'd try to bring a little pleasantry since she sounded really angry. She kept gruffly bellowing into the phone.]
Officer: Let me find your file here [Yes, I am fine, too, thanks!]. You've been declined. [Then she gave me the reasons, and used banking lingo that I'm totally not familiar with.]
Me: Well, okay. Thanks.
Officer: I'll be sending you a letter. [And I think she told me to try my bank but wanted to tell me now so I could make the June 1 deadline.]
Me: Okay, thanks.

I wonder if she has to deal with a lot of whiners or something so she feels she has to be "rough" on the phone. She talked as if she was expecting to be dealing with someone that was going to give her a hard time. Or maybe she thought I was wasting my time with applying for the loan in the first place. 

Now's my chance to completely pay off my line of credit and to revisit my budget! WOO! And maybe get in some money for my upcoming trip!