We are going to consult with Clinic #2. Thank you to all you wonderful ladies for your input. I want to schedule it for no later than September so we can get the ball rolling before the end of the year. Clinic #3 is still in the back of my mind, but 3+ hrs each way is a bit much. So for now we will check out #2 and see how we feel about the RE's in that office.
I am concerned about feeling like a number, but we wont know if we don't consult with them. Lots of wonderful women have said great things about them.
As for the loan, we are still kind of up in the air. I really think it would give us peace of mind. (No we have NEVER borrowed money from my parents.) So we would owe them, but the extra interest the 401k would charge my mom would go directly into her account, so it would increase the amount. We are going to save like crazy and see what we can come up with in the next few months. Time just goes by so quickly!!