Well I was very calm by the time the mortgage lady called me back.  Thank goodness.  I don't know how well she would have handled me breaking down on the phone.  (altho I am sure I wouldn't be the first person to do so to her)  Dh and I will call the agency back later and not tell them we are buying a house, I guess they get really upset and try to stick it to you when you tell them that.  We just want to pay our bill off.  Hopefully the amount they quote us won't be so gosh darn high and we will get it all squared away with a nicer person there.  Thanks for the prayers, I know they worked as I am much calmer now.  Altho I am sure I gained back some weight as I was busy shoving food into my face after I was so upset.  Mainly a chocolate cow that Amy sent the girls.  There is still some left(and we did let them have some not too long ago) so I didn't gorge myself completely.  I will update you again soon! We are set to tenatively close tomorrow at the title company at 1pm.