It's been a long time since I was on here.  How are you doing?  Tell me more about what you are talking about.  I currently have 6.75 on my house.  I have watched the rates go down to 4.25 but I lost out because things didn't work out for me to refinance then. 

Hey I am glad to hear that you are doing better.  I talk to your mom and check up on you and your family.  You sound serious about your endeavor.  If you are then things will work out.  ATVtrailer went to Strayer and they have an online course for that.  It is a lot more expensive online though.  Take care and hopefully I will be able to see the new family addition soon.