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

What process reduces the payoff by 12 years?  

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.

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.

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

Typically Conventional will end 42% of DTI and FHA can get up to 51% DTI (and based on your credit score I think you should stretch to that 51%) Just a few things to start thinking about as you are working through the process. 

All beginners want to jump start the process... but real estate is really a get rich slowly process.  

Staging is the process of arranging and decorating your house to highlight its best features and make it as appealing as possible to potential buyers.

It can be a long process if you don't narrow it down.