As other's have said - it's refreshing to see someone come onto BP and do what they should be doing - making a plan, reaching out, interacting, etc.

The japanese economy suffered a balance sheet recession in the corporate sector and the the US has experienced a balance sheet recession in the household sector.

I usually do commercial land, development, etc. and need a little refresher on residential financing.

I suggest everyone above, except John and Ned, search for the thread :Is lease option a good tool" or similar, a refresher. :)

This aspect is not lost on me...what Dion shared so well nor what you just shared (JScott)...or what many have shared (Jon).We can go forward on the notion that I am aware of what the HOA's want me to understand.BTW: We are working closely with a realtor here in FORT MILL, SC.Perhaps if neighborhoods were more equally presented...For example...Wouldn't it be refreshing if:50% of Neighborhoods were built in an HOA...And...50% of Neighborhoods were not built within an HOA...

Jesse HolmesJesse, thanks.Yes, I've read it, but now that you mention it, I am going over it again. always good to refresh up.worst case is that i work for 2 years, and build up credit so hopefully i can get a fha loan. but by then rates will probably be higher, and possible i still won't qualify for one. for now, im gonna keep reading. what would you do in my situation?

I am a Japanese-speaking Loan Officer here in Hawaii.

In other words refresh yourself from the beginning and you can zip right through materials.

I think sometimes we can make more headway because we are different to deal with - refreshing maybe would be an accurate term...when you have a bunch of guys dealing with a bunch of guys all day, sometimes they like dealing with a female.

I always feel refreshed after just 10-15 miles.