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I wrote recently about refinancing my mortgage and getting a super sweet 3.25% 15-year fixed rate VA loan.

I was very proud of myself.

I mean, how cool is that? I have a fixed 3.25% mortgage! Do you realize how low that is? It’s like they are almost giving me the money for free. VA loans are so much fun.

Anyway, that’s not what I want to talk about in this post.

I want to talk about something that REALLY made my day.

My escrow refund check showed up in the mail, about three weeks after my closing.

This was from my previous mortgage that I refinanced out of. I knew I was getting a refund, I just didn’t know how much. I assumed it would be several hundred bucks.

It was for $4,581.17!

I opened it and my eyes bulged out of my face.

The check was for about four grand more than I thought I was getting.

Now, I’m not that dumb of a man. A little dumb, like most normal men, but not super dumb.

I realize this is my money and I’m only getting a refund. Plus I realize I had to put some cash up front for escrow on my new loan. I get all that.

I just didn’t think the amount I was going to get was going to be that much.

It went straight into the bank and it’s going straight against my new mortgage. I figure by paying that much down, I’ll save even more interest in the long run.

So that’s my happy story today. My escrow refund check from my VA loan refinance was happily large.

Happily for me. Happily for my wife. Happily for my mortgage, which is $4,581.17 smaller than it was yesterday.

Happily.

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