Points and loan details are TBD still as we're just getting the tentative process down on paper as we wade into the details. 

So talking with your Realtor on scenarios that truly are likely may help you speed up your search and offer process, and help you find a great spot.

As pet lovers ourselves, we typically like to meet your pets at some point in the process, too.

At the end of the day, your servicer is there to keep your loan compliant and to process and apply payments.

I just bought a house that I could afford, did what I could to create equity and tried to repeat that process when I had an opportunity.

I will likely follow what you outlined above, but won't open my calendar right away to allow time for the permitting process.

We do it up the hill Reno and with a good agent they can give you all the options and guide you through the process.

What process reduces the payoff by 12 years?  

A good score is an easy "yes", but a bad score is an "ask more questions" in my process.

I was there a long time with the loan officer, explaining the whole situation and listening him tell me how the process worked (completely different than what Lee Arnold tells his Inner Circle students).