The owner accepted our offer.We selected a private lender, staying away from the larger banking institutions, and because Kim was the only one of us w...th any credit to speak of after putting two hundred thousand down and using the home as collateral she took out a loan of fifty eight thousand dollars which covered all closing points, inspection, escrow and the few other miscellaneous fees.Because we used a private lender and because of the large down payment Kim was assured that her husband. “You look a little disheveled. Your hair’s a bit messy. You haven’t shaved. Your shirt collar is twisted. You look like the kind of man who is used to having a woman groom him. Clean him up a little before he goes off to work.”“She’s very good to me.”“I bet she is. Does she know you’re out talking to strange women in bars?” She smiled.“No. She wouldn’t mind. We’re just sitting here talking, right?”“Right.” She reached out to his hand, took his ring between her fingers and turned it, just as he. More

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