Thanks for the reply. I understand all of that, nice and concise. The b) option is the way that I would intend going. Looks like I'll need to start researching US banks. and agents. I don't have the luxury of a US trip just at the moment. Will have to put that on the agenda for next year!
I'm guessing that your finance is through a US bank in DFW. Did you travel to US for your purchase last October as well?