So I haven't updated this in a very very long time. Why you may ask, well long story short, two months after Chandler was born, we lost our house. Country Wide was our lender and in the process of taking them selves out, they decided to take as many people with them as they could. So due to one, Count them...ONE late payment and an unknown fee from that, after a year and a half of faithful on time payments, they decided to screw us. HARD. We lost our house and only found out about it when we called to tell them we were changing banks and the payments would be coming from a new bank. They said, you don't own that loan any longer and you have t