OK ..here's my deal......I live on the border, I have what I call my ranchito on the edge of a small town, I got a loan from an individual 'cause I'd pay them three times what a CD does, and thet'd still be almost 1/2 the interest I initially was paying. Most people consider this place a shithole, but I like it....guess I never want for fertilizer. $50,000 grand would buy a some palces here, twice! LOL We're getting lotsa new Feds here, there's a housing boom. If you like your house, keep it,