Speaking of loans….when we were getting ours, our loan guy who we have known for years….shared about all the loans he was doing. He didn’t like the interest only, odd-ball, funny loans but I remember him telling me that everyone was asking for and getting them. He said that 80% of his loans in the newer 4S/Carmel Valley area were all interest only type loans. Needless to say, we got a regular 30 fixed.