Don't worry. The banks will find a way to hold onto these funds just like they've been doing with the other fed money they've gotten to help strapped homeowners. Case in point. My neighbor, who admittedly spread himself too thin during the boom, started going bust and began trying to sell his place. It wouldn't sell and after two years he had to walk away from it, declaring bankruptcy. He tried and tried to work with B of A on his mortgage and could never get a call back and was never able to speak to anyone at the bank branch. Supposedly, the banks were receiving federal monies to help people just like him. During this time, I had occasion to call B of A customer service about some matter or other. At the end of my conversation, the agent said "would you like to speak to someone about our "Making Home Affordable" (or something) Program? You might be able to lower your interest rate." I asked if that wasn't for people who were behind or upside down in their loans. I have a little tiny mortgage that is nearly paid off. "Oh no, it's for anyone." About 20 minutes later I had my mortgage rate reduced two and a half points, yet my neighbor, who NEEDED help desperately, couldn't get a call back and never did. Bankers fall into the same category as insurance companies, they're all a bunch of Fokkers and will ALWAYS try to screw you, whether it's a nickel or a million bucks is not important, it's the screwing they love.

__________________
You're a daisy if you do.
__________________________________
84 Euro 240D 4spd. 220.5k sold
04 Honda Element AWD
1985 F150 XLT 4x4, 351W with 270k miles, hay hauler
1997 Suzuki Sidekick 4x4
1993 Toyota 4wd Pickup 226K and counting