Okay, so i'm a bit annoyed.  I have been saying since last week that my mother-in-law & father-in-law needed to let Tim and me know how much our new payments were going to be since they changed banks for the loan and if we were going to have to pay any upfront fees, because we would need to borrow the money for the up front fees.  Well i get a call about an hour ago from my mother in law who informed me that she needed $217 from Tim and me for the appraisal fees (so the guy can do another appraisal, since the previous bank wouldn't foward the appraisal to this bank) today or tomorrow.  I do not have the money and i still don't know how much our new payments are going to be.  And of course I told my mother in law that i didn't have the money.  So I talked to hubby and i'm going to one of those payday advance places tomorrow afternoon to get the money so that i can give it to her.  I hate having to scramble to get money together, and my husband and i already owe enough.  I'm gratful to my in laws for helping us out, but mind you they are getting something out of this as well.  They are getting the property and the garage, Tim and I are only getting the house.  And the property is the only thing that is getting appraised, not the house.  (i'm not sure why)  And I did ask them to let us know in advance so that we could get some money together.  So i'm a bit annoyed that i'm only finding out now that she wanted us to pay this when she's known about the fee all week.  But oh well, what can i do, nothing.  And i'm starting to believe what my husband is saying, and it's that this place is starting to look like it might be more trouble than it's worth, and we're only going to dig ourselves into an even deeper whole.  Tim and I have said to my in laws that if it's too much for them then don't even bother trying to get it.  But now it looks like it might be too much for us.....  And no i don't know what our part of the payments are....  Maybe i'll find out soon....