The exception to the credit rules is a new grad working in a job in his degree field.

To what degree is open for debate.

You mix it in warm water & heat the treated area before & after application for temperatures below 45 degrees.

I wouldn't have a problem doing it at all, but I certainly understand those who don't have sufficient experience with off center deals would not want to get involved.As each state began putting out their version of the SAFE Act I didn't keep up with all the variations, so it's best to check in your state law.From my last reading of the federal outlines, it appeared to me that the MLO was going to be about the same degree of difficulty as a real estate broker's license.....not much.

Also, who's to say on those days that's it's near-zero degrees outside that they just won't light up inside because they don't want to freeze their butts off (pun) smoking outside?

I did that for a while but eventually wanted a bigger challenge so I got my engineering degree.

It was a beautiful February winter day at the beach with clear skies and 63 degree temp.

The people that Bank of America has employed to handle this task are underqualified and dense minded, most of them seem to be recent college graduates with degrees in Anthropology.

My bar tender has a masters degree, I know a waitress that has 2 undergard degrees, people at subway have degrees, what job do you think you can land that will pay off student debt and give you qualifying income to buy real estate?

The mobile was still in the name of the mother of the guy who lost the property to the bank (4 degrees of separation; mom, son, bank, guy) and by the way, the mother was deceased (seemingly impossible situation).Anyway, long story short, the WA State DOT accepted this 1 page form from me and the guy and I now have the title, have moved the home to another property (and have it rented for $1,100/month by the way)!