Update

I guess I haven't been on here for awhile.

I did meet with the mortgage specialist and it was lots of good news. Our credit is good, Mr K's has improved significantly from last year, we are able to get a mortgage as things stand now. We could only afford a condo at the moment- but hey it's something and as we continue to pay things off that will only improve.

The specialist suggested having our credit line extended to move the remaining amount from my credit card so we save about $60/month and focus on one debt payment only!! This has been taking longer than expected- I thought we would have heard back already....

It would be fantastic to focus on only one payment, and not be splitting a minimum somewhere else. The specialist also suggested not bothering to pay off the student loan as the impact was minimal. It would still be nice to see one more loan gone, so once we get things set up. I'll probably make a predetermined weekly payment to the CR line than any extra I'll slip over to the student loan. The credit impact isn't as big but it would be nice to have one more less monthly payment.

We registered for some condos in our local area and they are expected to become available this fall or before the new year. We're really hoping to get in but demand here is high so we'll have to see..... I never thought I'd consider a condo- but it's substantially less than a townhome, the condo fees for the ones we are looking at are really low in the $200's