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It appraised for what it needed to! The loan was approved! We close on the "Hampton House" THIS Friday. Friday Andrew is getting a building permit. We are financing more than what we are buying the house for so, a large chunk of it will pay off some (not all) of our bad decisions, and the rest will go towards adding on a living room & finishing in the downstairs (adding a bathroom & finishing the bedroom/living room/kitchen-ette). To answer questions, NO this does not get rid of all, or really that much of our debt. But, we are going to pay off enough so that paying the mortgage payment is only about a hundred dollars more than what we were paying to the credit cards. So, maybe that answers your questions. What else.....?