I don't post often but I have been an avid reader of posts for the last six months or so. I just wanted to thank all the posters for the information shared on this board. Thanks to all of you I was able to close on my house today. It was a very emotional event for me, as I had lost my previous home in Katrina and had to start over from scratch. The knowledge I gained from the posts here help make the process much smoother. For those out there still in the home buying process, do not give up! Just 4 years ago, I literally had nothing but what fit in my car, Today, I have a beautiful home. If I can do it, you can do it! Happy Holidays.