Carol - If your husband is a disabled veteran, there may be option out there for you that you are not aware of. Have you contacted Army Community Services at Fort Lee? They are a great resource for all sorts of issues, and it doesn't matter which branch your husband served in. And if they are not able to help with your issue specifically, they may be able to guide you to an organization that can. Their number is 804-734-6388. Also, as a disabled veteran, your husband may be eligible for a VA loan that would not have a funding fee. That often depends on the rating he has received. Your best bet there will be to contact a loan officer who handles VA loans. I have worked with one for years that has always done a great job for my clients - he has also received recognition for the loans he does for the Virginia Housing Development Authority. Best of luck and please, thank your husband for his service!