All that remains to do is negotiate the selling price of the new townhome with the builder, and sign a contract to kick things off. After all the effort, this was the brass ring I was reaching for. To everyone whose credit is a work in progress--you can do it too. Just suck it up, live frugally, and pay things off. I am so happy I do not want to even stay at work! I think I need to do a drive-by of my future townhouse on the way home tonite!