I decided not to do an impound loan because I didn't want that extra $400 tied up every month. if for some reason something comes up one month and can't make that $400 you can stretch another month to make up for it without any penalties. granted, you have to be pretty disciplined with money to do this. but being okay with having your money tied up is pretty much bottom line with not getting impounds.

and the seller actually bought me a home warrenty. I hope the water heater and furnace breaks soon :uhhok: :shh:

hell, let's hope the stove and fridge goes too