Wow. I'll pray. Where is that program... I could use it. Hope it works out
and loosens the family budget belt.

Brad




At 12/10/2003 on Wednesday, you wrote:
>It is possible that our mortgage, if we are approved, could literally be cut
>in half.  I don't know if they are just trying to reel us in to jack up the
>rate after we are in but we have all the paper work done and we do not need
>a new appraisal because they can use the one we just had in July.  We need
>no money down and the closing costs are all included in the loan.  If this
>happens, it will cut our interest, and as I said,our monthly payments in
>half.  This would help out tremendously for us financially.  So if you think
>to pray about it, please do.
>
>Phil.
>
>WWW.SafePlaceFellowship.COM