Well the truth is this - if the property is on the MLS, the seller has already signed an agreement to pay a certain percentage for the sale (5-6%).

In the end though, it shouldn't matter, they can tell the truth or lie, thats up to them, you will see it when you put it under contract anyway I think.Bottom line is, If the price is right, and the figures add up to you, it should not really matter.

Contact a local RMLO - Residential Mortgage Loan Originator, Google it for your area or if you are ambitious read the Dodd Frank Act, RESPA, Truth In Lending Act, 

Truthfully, we'd do this even if we were paying a slightly higher rate, but the decrease made it all the more palatable.

If you give me your time, truth, patience, and trust.

Hey all, I'm stationed in Germany and am sending mywife nback to Washington state due to some medical issues with my daughter.....we would like to buy a multifamily home with VA for her when she arrives and then move into (buy) a SFH when I join 9 months later.....we plan to tell va the home is too small and use the remainder of benefit to move into SFH. ....the reality is its the truth. .....four people in 750 sq ft doesn't work. ....it does for my wife and two small children. ....anyone have any insight? 

Way to bring the truth Felix.

Not gospel truth but I usually find that it gives a reasonable estimate.Also just so you know $200K is a LOT for a 4 family in Fitchburg.  

They will be very anxious to work with you so you might have to filter through some sales pitches to get to the truth.  

The truth is that it's based on your income.