Been awhile since I've posted. Just wanted to update. Closed on the house last August. We love it and things are going great. We got the best interest rate, mortgage actually a lot lower than what we were paying for our previous townhouse. Thanks to you guys and all your great advice I've established accounts with every top tier major credit card, closed my low tier cards, and now we are also happy homeowners. Very responsible with our payments, usage of CC's and life is going good. Our credit now is awesome. Thank you to everyone on this site for the great advice. Now it's our turn to garden for a couple years. Cheers!