Originally Posted by JARblue

Do you really need GAP insurance? I mean, I know it can be very helpful, but I wouldn't think you were that upside down on the car that it would be something you were looking to get. But hell, if you are saving money anyway, I don't see why not.

FWIW, there aren't any credit unions in this region that I would feel comfortable using for a mortgage loan. Our mortgage broker is a family friend, and she is awesome. She also works for Colonial National Mortgage which is one of the largest firms and one of the few that is not publicly traded and does not bow to the corporate whims of Wall Street.