If you are unwilling to be committed enough to a lender to even allow them to do a credit pull then they are probably less likely to take the time to provide you a detailed cost/fee breakdown especially when they know you have a lineup of lenders that you are considering. 

So for example, a 761 credit score will be in the 760-779 credit category, then going down to 740-759 and so on.2.

It gives you the flexibility kind of like a credit card that allows you to borrow a certain limit and withdraw funds as needed.

Two of your questions will be more situational and location based.We don’t ever haggle on pricing, although I would suggest being flexibleWe check credit, criminal history and everything that goes along with that, evictions, and income.

Otherwise, talk to your bank or credit union.

Your son is responsible for making payments on time or ruining this seller's credit. 

My business partner owns a roofing company but has weak credit and more limited cash flow.An LLC is a common choice for partnerships since it protects personal assets and simplifies tax management.

Credit HistoryMany companies use credit summaries, but we find these rarely tell the whole credit story.

Many people juggle lines of credit to meet current obligations.

- then you should be able to make a 15% work if you have solid credit