Best case loan options

I can understand your wife’s concern about SAD. I lived in central NY for years and that Buffalo/Rochester/Syracuse corridor is dark and grey with little sun. They get less sun than Seattle…by quite a bit.

Probably something that should have been discussed/vetoed before submitting the application but that’s water under the bridge at this point.

I hope it all works out Ok for you and your family.

Moderator’s Note: The OP has a lot of info to consider now. Closing thread.