We then use whitepages.com account to look up phone numbers to call those owners (not always easy). 

Call from another phone and see if they answer. 

They truly don't put the time, energy, and expense into locating property owners (many of which do not even want to sell) in order to buy their raw, un-entitled land.If you're a big builder, your phone is ringing with people or their representatives wanting to sell you their land.

I'm using phone so hard to inspect via 1 picture.Hopefully it all works out for you.

It took me a letter, two phone calls, an in person meeting, and over an hour of explanation to get one of the previous homeowners up to speed.

ThanksMark FriesHey MarkThank you for you reply I would be happy to connect soon, can you DM me your phone number?

So while I can't claim to speak for every financial institution out there, it's a very broad survey, finding an option not contained there might involve making quite a few phone calls.When I see 30 year fixed, 30 year amortization, 30 year maturity (basically, identical terms to a consumer-friendly kid-gloves home loan), which does in fact pop up if I specifically search for it, it's almost always at a rather high interest rate, and the borrower doesn't opt for it.

@Marc Winter another tactic is to get the broker on the phone if they seem to have a lot of questions that puts you in less of a bad position.

I would like to outsource this last task, so that I do not need to worry about always being available and within phone service.

And what kills me - they won't answer their phone!