Refinance time

I've just begun the process of refinancing my house. This is scary for me because it's my first time. I'm most scared of the appraisal. Will I get some dickhead/cunt having a bad day? Or will I get the appraisal I want? The house appraised for $101K last summer and I did about $20K in renovations to the house including a brand new kitchen, all new ceramic tile throughout the downstairs, and all new paint, new heat pump, etc.

I really don't know what to expect, but I do know my goals. I would like to be able to pay off my debts and have the money left over to finish the house. I don't think this will be a problem considering I bought the house for $72K. I have around $90K invested in the house. So, once everything rolls over, I should have around a $90K mortgage for a house that once appraised for $101K and has since been remodeled.

So, I'm expecting the house to appraise in the $130K-$140K area, but this is all new to me, so I don't know. Unfortunately, the bank can't choose the appraiser anymore, so it's a luck of the draw. This is idiotic to me, but whatever.... that's just a bank being a bank. They are just a shade more efficient than the Federal Government at some stuff, so I don't put any stock into them.

If all goes well, I will be absolutely debt free with the exception of my mortgage. This will translate into me not being a broke bitch anymore. I will be able to do some finishing touches on the house, but most of all, it will allow me to save more money and not live paycheck to paycheck. If I can get everything rolled over into the mortgage and still have another $40K in equity in the house, I'm going to be a very happy man... Mission accomplished and shit.

Even if I can just be rid of all my "bad" debts, I'll consider it mission accomplished. If that day comes here in a couple weeks, you'll see this man celebrate. I don't celebrate often, but when I do, I do it good!

Then, when I'm done celebrating, I'll take that opportunity to scope out House #2.

******* Edit **********

I was looking at comps in my area using my super secret website with a not-so super secret (stolen) username/password. I looked a few comps in my area. I think I'm in good shape. There aren't many houses comparable to mine in the same neighborhood because 1.) I have the double lot, and 2.) I have a full, finished basement instead of just a crawl space. One comp sold for $151K earlier this year and it didn't have a heat pump. However, it was a split foyer instead of a ranch...not sure if that makes much of a difference. There is another active listing now that is comparable... they are asking $180K ...again, no heat pump and the square footage is less than mine. That's uplifting/comforting news.