PS: yah i just double checked my loan documents and called the bank about it and it is confirmend that the max rate is 8.5%. Yah, to me it sounded too good to be true when I first got the loan, but it is what it states. Thanks for looking out for me, I was pretty sure my statement was correct since I like to read the fine print in things(people laugh at me for doing that sometimes, I am pretty anal on checking documents).

Job wise: Yes it is stable also the wife’s job is as well(qualifying for the payments would not be an issue from my analysis/talking to the banks about this).