If you read my original number post, you’ll see I also used a 5.5% rate for FHA and 3.5% down and the number came out to $1500 before tax and insurance and tax deduction. Once again, adding tax + insurance – deduction, you get to about $1800. Do you think that’s conservative enough to use 5.5% rate? I was really close of locking with aimloan.com when I was looking for a loan a few months ago. They’re just the easiest place to see rates they offer without going through many pages. So what’s your point about aimloan.com not being a solid outfit if you don’t think any bank is a solid outfit? Are you trying to say not to get a loan right now since all the banks are in shamble and not a solid outfit? Do us both a favor and don’t throw flame at me unless you can take it yourself.