[KVICORY]

No, I didn't re apply..I spoke to an attny. yesterday and he said he could try for a fixed rate. But since we are so far behind, the deal we got isn't half bad considering. It is 4.25 interest only for 5 years, then it will re adjust to the rate at the end of the 5 years unless we refi. We also filed bk chp 7 so our credit is terrible. We are signing today, and going to follow the instruction to make good on pymts for the next 24 mo. and try to refi at a later time. Also we are debt free and not going to make the same mistakes so we can repair our credit in the next few years..