"Check your local credit union..."

Did that, and they are higher than Oly Fed, where I am now.

"If I were a lender, I might not have a lot of faith in your employer's ability to keep you on. "

If that were to occur, I would retire, and I could make house mortgage payments with my retirement income. Not my preferred alternative, but certainly doable. Not to mention that we're making two mortgage payments - still have the condo that we could sell at the current market without losing money, just not making much either.

Sg