Buying Home, Credit Question

[fatgirl_lover]

It would be on closer to a $300,000 loan, it ended up taking 40 months to break even. I figured my credit would be good pretty fast, and if I had more money which I should in a year then I could refinance to a 15 year fixed and figured that's the best option (without point). My main concern was that since they are a smaller company, they are more flexible but also more risky, risky in someway I don't know about. But you don't seem to think that's a problem spex? Anyway, thanks again.