Chances are your Loan Officer doesn't even know what an overlay is. 

exp and Real and other cloud brokerages have the advantage of lower splits and few main offices.

As it turns out, both the heloc loan officer and the confirming mortgage loan officer said the same thing - since my heloc has a $0 balance, it doesn't count towards DTI calculations!  

You can also share the notebooks and collaborate on them through Office 365 if you so desire. 

This often happens when the assessor office creates a separate lot for tax purposes but the larger lot of which it is part was not legally subdivided.Also, as pointed out above, tax liens, weed abatement charges, HOA, etc all usually survive.  

My name is Lane Tucker, and I'm a new Loan Officer based in Fargo, ND.

Your loan officer should help you decide which pre pay option is best for you. 

No notice was sent to our office or any addresses for our LLC that owns the property.

Also, find a loan officer who understands your age and life stage and who will truly put your interests first and help you get a financial strategy that will set you up for success. 

If you end up looking at properties in the San Diego area I work at a family office that balance sheets our loans and we are quick at funding.