Lyrics

THE REFI SONG
Jimmy Yessian
c All rights reserved

Got a call from a broker to refinance
Said it was a once in a lifetime chance
Been pre-approved and that's no lie
We'll have an answer by tomorrow if we qualify

I said I once had an audit by the IRS
Well he shrugged his shoulders like he didn't care less
Just fill out these forms and you're ready to roll
There's just one or two things that we need to know

Chorus 1

Have you - any liquid assets do you know your net worth
Maiden name of your spouse and both your dates of birth
The number of your checking and your savings account
Your IRA and your CD's and the total amount
Did you ever go to college, did you finish high school
Your last ten employees, do you ever carpool
Do you smoke, do you drink, have you ever been in jail
If you take a drug test will you pass or fail

So we filled out all the forms didn't leave a space blank
Our broker sends them over to the Union Bank
When they receive these forms you might get a call
They'll have one or two more questions and I swear that's all - yeah right

Chorus 2

Have you any - outstanding loans, credits or debts
Are any of your vehicles paid off yet
Are your credit cards maxed
Pay your mortgage on time
In the black or the red is the bottom line
Are you currently employed, have you ever been divorced
Do you have an explanation for the year that you took off
And in the small print at the bottom of the form
Said default on the loan and we'll take your first born





The Refinance Song/ page 2

We filled out all the forms didn't leave a space blank
And send them over to the Union Bank
They said you'll have an answer in a week or so
But don't hold your breath, we'll let you know

Before we go any further here's a question for you
What's it gonna cost if the loan goes through
If it costs too much I'll have to sell my guitar
Can I have a breakdown of every charge

There's a credit, an appraisal a recording fee
Points and insurance and the notary
Settlement and closing, don't forget the escrow
But the actual cost we don't freakin' know
Oh oh oh oh They don't freakin' know

Got a call from our broker last night late
He said he found a bank with a better rate
Besides the Union Bank denied your loan
Can you fill out all the forms tonight when you get home

(Repeat first two chorus')

Tag
And here's one question that we didn't ask before
You better answer now or you're breakin' the law
Have you ever had an audit by the IRS
Throw these forms in the garbage if the answer's yes