Cool,

Sounds like your taking the right approach..
You should really check out www.penfed.com. I was going to use them but they wanted all my tax returns for past two years, etc. It wasn't worth the time of effort for me for the .5 point on a two year car loan.
But I would highly recommend you look into it. It came very highly recommended to me.

B

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"When two people agree on everything, one of them is not necessary" - Arliss