Old Republic Exchange is the culprit and the employee who assisted us had been fired long ago.

Started at 33yo with a condo in the Dominican Republic, but I sold it 2 years later because of negative cash flow, and because I wanted to start the journey in the US.

Lisa Arant at Placer Title or Bridget Powers at Old Republic.

The credit belongs to the man who is actually in the arena, whose face in marred by dust and sweat and blood; who strives valiantly; who errs, who comes short again and again, because there is no effort without error and shortcoming…; but who does actually strive to do the deeds; who knows great enthusiasms, the great devotions; who spends himself in a worthy cause; who at the best knows in the end the triumph of high achievement, and who at the worst, if he fails, at least fails while daring greatly, so that his place shall never be with those cold and timid souls who neither know victory nor defeat.”Theodore Roosevelt (From speech titled: The Man in the Arena: Citizenship in a Republic)

Yet another reason why I left the Republic of California.

I live in Panama, Republic of Panama in Central America and actually have purchased properties in bids and constantly scan for good foreclosures and below the market deals for new rental properties. 

First Republic - CAFremont Bank- CAFrost Bank - TXFulton Bank, PA, NJGFA Federal Credit Union 10 yr draw, 10 yr repay, MA, NHGranite State CU, NH 90-100%Great Lakes Credit Union, Chicago area ILGTE Financial, Tampa, Sarasota area FL w 2 yrs tax history on propertyHanscom FCU, TXHSBC 70%, for premier clients only.

Bought a small apartment in 2014 for $930k where we obtained a 5/1 ARM with First Republic Bank at 3.05% fully amortized over 30 years.

@Greg Brown, If you 'wholesale' that way and aren't a licensed real estate agent or broker, in every single state and territory in this Republic you are brokering a real estate transaction without a license and it is 100% illegal.

The only thing I'd spend money on is $10 or so for business cards from a place like overnightprints.com.As for other resources for frugality, your local guru is MrMoneyMustache.comThe other really useful life hack I've found is Republic wireless for cell service.