Honestly, just the fact you're educating yourself on REI right now means you are leagues ahead of most.

but for this type of interaction now way would I use the phone rather check the baseball scores or flightawre and watch the planes fly all over the world  LOL   

Same thing with Brady, this man worked super hard to make it to the league and when he was on those Patriot teams people give credit to his coach, all-star teammates, basically anyone but Brady.And after Brady proved everybody wrong and passed everyone's expectations the only thing people could say is "I bet you can't do it again.

I am currently a professional baseball player in the New York Yankees organization. 

I would not be tying up a land contract as collateral or you risk being sued and losing big league .

My name is Josh Smith and I am 23 years old currently playing Baseball with the New York Yankees Organization.

Baseball, soccer, camping.

BTW, the "and or assigns" is amateur bush league.

If you are not a member of NFCU you can join the "navy league" and in the application process where it asks what council you want to be assigned to put "San Diego Council" This will make you eligible to be a member of Navy federal.Secondly talk to a few local lenders there are zero down, very low down products are out there.

You are in another league.