wow – this is turning into quite the discussion. FYI, we do have a connection at Wells Fargo that we are talking to, but I also wanted to speak to a couple of mortgage brokers to see what they could do for us, so we can have an broader view of what our options are. So the “get off your rear and go drive” comment was really unnecessary and not very nice – come on, folks, there’s no need to be nasty. I am not a professional in regards to mortgages and different types of lending options, but I want to learn and that’s why I follow the discussions on this site. Hence my request for referrals. Thanks to all of you for the education and the broker names – I really appreciate it & look forward to learning a lot more from you all before we buy a home.