So, I've got my paperwork off in the mail for the surgeon, so he can call and schedule my initial consult. I've already been to a seminar.

Today, I applied online for a loan to cover the cost of the surgery. The initial offer that came in was for about 2/3 of the total cost. They are going to check with two other lendors and see if I can 1) get a higher amount, 2) get lower interest rates or 3) lower payments.

Have I put the cart before the horse? Should I have had my consult first then applied for the loan? Your input is appreciated.

By the way, as I was on the phone with the loan consultant, a little gnat flew by, and as I took a breath while talking, I sucked it in and swallowed it! Ugh, I'm still gagging.

The only possible negative I can think of is if you don't get the surgery....you would have a hit on your credit report from the loan application you've already made. But since you're self-pay, it's not like the insurance company is going to deny you and that would keep you from going forward.