Some people only want 10-20% of their outstanding lines/debt balances available while the other 80-90% to be in fixed rate notes.

This is a great place to learn and to connect with people so take advantage of all the great resources.

People try to say "Well it's technically a service dog, but..." 

I've heard horror stories that it's usually impossible due to the "burden placed on the municipality" but could really never understand what that burden was... most people living in those units wouldn't be using the school systems so aside from maybe an increased volume in emergency medical situations I can not understand that statement? 

Definitely will talk to people in my office.

They could include things like waivers for documents and appraisals, relaxation of underwriting standards and money to fund repairs.However, there are benefits for people who just live in the areas, but aren't directly impacted.

I have seen out of state people come in and think they are getting a whopper of a deal. 

My investments are all in the Twin Cities suburbs, but I have helped people with financing as far north as International Falls :) @Jeff Schemmel who do you know in the Duluth area?

But many people need to consider if they are financially ready for it or not.

Stop hanging out with your deadbeat buddies who spend all day drinking, talking sports, and otherwise wasting away.