Thanks for the post. I learn so much from others experiences, pain, hope, anger, fear, etc. Just because we are human does not make us humane. Our ability to control and effect the things we care about is limited. Take care and hope you are in a much better place soon. Sounds like you were snowed by your AH. You should have been put on title as that has no bearing on loan approval/ rates. The one one thing I have really learned 89 days w/ out is to do your own thinking and bounce it around inside your own head as wl as off others you trust. While active addicts may mean well, they make poor decisions makers/ long term planners. Humbly on day 89 this time.