So you can easily find a loan program that will not make you wait the six months, it won't be under Fannie's subsidized terms/conditions/rates/etc.The last paragraph contains a lot of old information.

Not a big fire, just contained within the HVAC.

You will find that it contains an absolute wealth of information.

@Isaac Molina III Does the account contain any employer matched funds?

I have never used them nor installed them, but my first thought was the same as @Brian Burke, you may save money on the install but in the long run with maintenance and possibility of hazards - that alone would steer me away from them, i like to sleep at night - i think you are better off venting once and forgetting, it will be done. btw, they are $15 at HD. and this is what theirs look like and how it works, the bottom of the container is filled with water, the lint is held by the water when it is forced in and then has to be cleaned and refilled after each use.

If you're looking to spend more, there's always wood-look ceramic tile which a lot of restaurants and hotels are using these days.If it's not a large area and you have a healthy budget, there's always oak.

A MTM written agreement can contain every term that could be included in a term lease except the longer term of the tenancy.

I've never had a report run that contained one. 

Recently I've tried sending a certified letter (containing all my contact info and a request for contact) with return receipt, but USPS reports they were unable to deliver it  - Notice Left (No Authorized Recipient Available)There is nothing particularly wrong, and she's completely current with rent based on auto-payments.I feel uncomfortable not being able to reach her.

Subway tile is safe but not as interesting as white glass subway or the arabesque shape in the exact same white ceramic material.