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Hello everyone,
Finally... well, almost there, we are closing on December 14th. Wow, that took awhile and they say everything went smooth. I can't imagine if they called it a bumpy road. Actually I think it did but it seems like forever. Anyway, I wanted to thank everyone for answering my questions. I like this forum and once things settle down for us will be coming back.
Anyway.. thanks :-) 4 looong more days to go!
Congrats enjoy your new home