Gary, thank you. I just went on to a web site called
www.servicemagic.com (a link from handyman.com) and a carpenter was here in less than a half-hour from the time I posted a request for an estimate. He said we have oak floors, (2" strips) and he's is going to add supports to the basement floor joists. He said he can use a filler on the seams, but it will probably crack and get loose again because there's no sub-floor.
With what I've learned over the past year about this house, I am amazed it passed inspection. The bright side is the home is worth more than 2-1/2X what we paid 10 years ago.
Thanks again