thanks Del! phew, I think I understand, lol, some homeowner I am :P
There are 2 reputable credit unions in my area, I heard good things about them, will check the rate, also for USAA, thanks for that tip!
Now, the only thing that bothers me is that, what if stbx looses his job and is unable to pay me child support? I'm counting on that as a way to pay off the bank loan (provided I get it). He's have 19k in his pocket and I'd have a 5yr loan on my back. The way it is set up now is that if he doesn't pay child support I dont' pay him any $$ for the house (my L's idea). Without his CS I couldnt' pay the loan, I dont' make that much, I make enough and just a bit more, I guess I'm considered middle income.
He is going under for a colonoscopy next Tues, (I know cause he can't take care of d5 that day and had to let me know) The dr wants to check that his acid reflux that never goes away isnt' due to a hernia..or a cancerous tumor. His mom told me he's very worried about it, guess because of our latest arguments he didn't convey his fears to me (guess is better that way). I pray it is nothing wrong, honestly. But, the sad truth is, if it is cancer that also affects me financially in the long run (PLEASE understand, i'm not being heartless, heaven forbid anything happens to him, as a human being and the father of the kids-- I just have to think of how I'll take care of my children), what if he can't work anymore after 3yrs or so, what would happen, how would I pay the loan back? I guess it could happen anyway at any given time, but his family has a history of cancer, his dad died young at 53 from a cancer originated in his stomach/lower back, but that's something I was thinking about this morning.
Be not afraid...I will repay you for the years the locusts have eaten Joel2
30something 2kids survivor of S, MLC, A, D I have peace in my heart, at last.