If I was a newbie, I wouldn't have the volume or the wherewithal to protect the lender's money the way we do.We have a couple of groups that are trying to gain our business and have offered to cut rates below what we're currently paying.  

We had a huge downward revision to the BLS jobs growth figures, the Fed minutes explicitly said that a rate cut on Sept 18 was likely, and average mortgage rates moved below 6.5% (and are now 1% lower than they were a year ago).July housing starts disappoint.

You have $606 after tax dollars to spend on the rest of life's expenses, including investing, buying flowers for your significant other, cell phone bill, water/electric/vehicle expense/food/childcare/hair cuts/vacation. 

The main beam also has been cut to accommodate a drain pipe.

How many YouTube videos do you expect someone to watch before they start cutting into your skull? 

I had one applicant say that he had all the information in a word document and could I cut and paste it in.  

The waterfall on either side makes the space kids friendly (no abrupt sharp edges).

Maybe about 13-15 acres with some harsh terrain, streams, dense woods I don't want to cut down ever.

If we can cut that timeline down by a couple of years that would be preferrable...

It will be interesting to see if volume increases dramatically with interest rate cuts.