Thank you for your help. If there was no possibility of trading in our house for a new one, we would need to figure out ways to modify this one or build onto it to get what we want. We'd probably end up paying more in the end than if we just bought a new one straight out but at least we wouldn't have to come up with a bunch of money up front for the loan. And, to let you know, I'll probably end up buying the book about creative financing secrets. Thanks again.