Dr Jimmy, re: >Well, I hope you are able to obtain the mortage someday. Thanks so much for being concerned about my finances. Thanks for the generous offer of $$$, but I'm sure it will make you feel much better knowing that I've been a homeowner since 1988... Hope this helps... WF <~ "...you can make the suckers squirm, when you tell 'em how much you earn, but you can cry... if you want..."