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Thank you all for your help. It gave me a great idea of where I'd have to start. I got my referral packet around the beginning of November and sent off the application letter THAT NIGHT. Their letter says they'll get back to you within two weeks, so you can imagine I was fairly frantic when I still hadn't heard as of last night. I called today, just checking to see if maybe my application hadn't made it to them. I'm APPROVED!!!!!!! I can't believe it was THAT QUICK, and only one letter! She said my packet went out the 28th and I should get it today. Sure enough, DH called to say it was in the mailbox when he checked it this evening (I work till 9:30PM Friday nights). I am so excited.. on to the next step!