WOOHOO I am offically a first time homeowner, just closed on my first house tonight, wow what a time to close in this weather. Its a nice starter home in norman where I wanted to be, 2 bed 1 bath, 1 car, needs some fix its here and there, vent pipe for the floor furnace needs replaced, drain under house for the sink, little minor stuff, then other stuff I want to add on or repair, will replace garage door with a pull down door, right now it has a wood swiong out doors, it was built in 1945 and still is good shape. I am pleased with myself for pulling it off, with out any help no cosigner, no loans all my own. Yea!! give myself a pat on the back. I do have the contact info of who I used if anybody wants to buy a house, it was a broker I used he was able to get a better deal than a bigger mortage company would of, they did tell me a tip unless your credit score is more than 600 a bank or mortage company won't touch you or even consider trying you out. With a broker they can get better deals and got me in with a credit score of 585, I was surprised, with in a month I closed and the house is mine.