My husband and I are just starting out, we have read the books, and are anxious to get things going. We are like most others, no money and no credit. We are full of enthusiasm from reading the different posts. I hope this is not a stupid question, but is it possible to do a LO with a bank? If so, what would be the procedure? Thanks for any info and encouragement you can give us. We will make this work.....we have to!!!