Be a hardline negotiator with your Real Estate Agent - You can negotiate just about everything on the Agency Representation contracts, even refunds of the buyers agent commission.

All of these are dual agency deals, one broker representing the seller and the buyer.Good Luck!

Josh Chappell Nearly all 30 yr fixed loans (on SFR, at least) are agency backed loans, so Fannie Mae, Freddie Mac, etc.

Especially in the tech industry and as technology advances .Also it’s probably not too far off that self driving cars will be mainstream .It won’t be as much of a hassle or as stressful to commute if you can chill in your car , get work done on laptop or even take a nap .

I’ve been doing quite a bit of research about what lenders would require and the various aspects of bank loans versus agency loans.

Not very familiar with the managing broker here but both agencies have good reputations.Most agents looking to do this part-time are obviously scared of the obligation to pay the $1,200/mo regardless of how much volume they do.

If you are concerned that they took a snap-shot during that time when the HELOC money was paying off the credit card and can't wait till their next snap-shot, you can write to each of the agencies and submit proof and they really are good (in my experience) with correcting those things.

I have been around the business of real estate my whole life (mother owns and runs a title agency) but never actually put any of my own effort into it.

They use an outside agency.

Assuming Illinois doesn't have state-specific forms that are different, look at paragraph 6 of the deed of trust that any owner occupant who got any 30YF Agency loan signed at any closing table within the last 5 years.