[alisoncg]

Wow, wouldn't that be awesome. How much does your credit have to do with getting the rate lowered? We have fallen behind on credit card payments due to the whole income mess and I am sure my husband's credit is not showing very well right now. Mine is good but I am currently not employed. Also, my husband qualifies for bonuses which have become increasingly difficult to get but he has gotten a few since the new pay structure started in January. When we get our financial info. together how do they count that income? Some months he gets it and some he doesn't.