HLS is a straight shooter finance guy, I haven’t seen him on the boards lately but he has a website, homeloansheldon.com

I’m not pimping him but I bet he can give you an honest answer about your finance plan, he’s given free advice to me via e-mail and on the boards for a while. Also, 10% down and good credit isn’t going to get the panties of the lenders any more, is your income to expense ratio in good shape?