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I'm too stressed to tell if these are sarcasm caps - but one of my biggest fears was having our mortgage sold, which was the main reason we went with the CU. b_b I'm also responding to you. We're also making payments as though it was a 15 year loan, but were planning on a family in the near future, so we wanted the flexibility of being able to pay less. And yeah, I'm 90% excited (this is the coolest thing I ever bought) and 10% freaking out (this is the most expensive thing I've ever bought) but I've never been so excited to build shelves, so that's cool.AND NOTHING BAD WILL HAPPEN