Thank u guys for ur replies!

You should never beg at a property u own.

Because who knows maybe they gave me phone numbers for their relatives.Thank u!

YUP when it was legal to do these in Or and WA It was my main business model.. we still bought at court house steps but only after we failed to get the owner to deed to us and let us buy sub too..Now this comes with risk.1. usually not enough time for title company escrow so you buying without insurance.2. old owner may squat even though they say they wont.3. bank can call the loan all over again but you have plenty of time to sell before that would happen.4. you miss something with your do it yourself title search.what you need is an Authorization by the owner signed with their SSI so you can contact the Trustee service that is holding the sale and the bank .. to get accurate payoff numbers.. then you simply get a cashiers check or wire to the trustee or service and reinstate the loan at the same time U prep a deed from the owner to you.. 

I am definitely doing some of my numbers to see where we stand financially and see where we could improve. ( credit card debt, school loans, etc. ) how long after u decided to REI did u you purchase your first home?

Hi guys,Can u please  help me out?

U may want to check in with him

It sounds like there is significant difference in loan rates across the US.Try U S Bank A national lender just got a quote yesterday sub 4.5% National lender publicly traded company credit must be stellar!

Also Staples has purchase and sell agreement contracts for sale u may try that

BP  linkdin  facebook connected investor are all infested with faux lenders and this is exactly how they find you.you can play along send them the 500 to 800 application fee and kiss it good by .. just so you know.or U can save your money and find a real lender..