What does that refer to?

Cross-reference information from multiple reputable sources to ensure accuracy.2.

The tech that I refer to will replace the actions of the buyer agent, not the experience of seeing the product.

@Matthew Irish-Jones thank you for the reference

For reference I am in Indiana.

@Luis Hinestrosa- thanks ....contact your colleagues / friends for lender referals and then contact them with your scenario and questions and then make a decsion ....if a lender knows they have been referred - there is a tendency for them to provide above average  pricing and service 

Explain to your contractor that you need a reduced price and if he/she will accommodate you will always bring your business their way and you will refer everyone you know to them.  

Market value typically refers to the price a property would likely sell for under current market conditions, while property value can sometimes be an assessed value for tax purposes or an estimate by an online tool.If you're seeing a significant drop in your property's value, I’m guessing you might be using Zillow.

This should be outlined on the formal quote, but most will have origination points and an underwriting fee (this is also referred to as processing or service fee too). 9.

My original post referred to a 32% marginal rate.