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Great googly moogly! :-D Settlement was extremely smooth and amicable. All is well, though we don't get to move in until the seller's kids get her moved down to GA in mid-to-late May. She's a really sweet elder lady. She and everybody we've worked with has been a complete pleasure! E-mail me (or call me) if you want to know more, and especially if you live in the NoVA/DC area and would like a recommendation of an OUTSTANDING realtor and/or mortgage broker.