Hello and thank you. If you are looking at this I am vary happy. My name is Gareth Erwin I like to be called "Gary" because its easyer. I am creating this account to ask the world for a little help. I have started working 12 hour days at work and coming in on saturdays. I am vary excited about the process of getting a morgage for my first home. My wife and kids are vary excited. We have to come up with 3% of the home loan. Colorado has become a vary hot place to live. I have been here for about 20 years after my parents moved here from england. Well thank you for reading. If you can give and help us out that would rock. "it never hurts to ask"