CW has already started hitting our credit. We've only been 30 days late for the last 6 months and our number went down 100 pts. I guess they are noticing the trend and making a mark that we are a potential hazard.
At this point we need a 40 year loan @3% to be at a manageable percentage of our income & debt ratio. Right now we are paying 56% of gross income, and 64% of net income...