The whole country is guilty of that mentality; and the reason lies in our yearning for immediate gratification.

hondal,I know hindsight is 20/20 but you could have written, asked or pleaded with the CA to remove it if you paid in full.

According to RESPA rules (Real Estate Settlement Procedures Act) we are free to select what ever service provider we want.Currently I am guilty of going with whatever the RE agent or lender recommends. 

I have been guilty of this very mistake and it hurts.

In their offer letter, they pleaded that we pick them because all they could think of when they walked in the house was hanging their Christmas stockings on the fireplace mantel. 

I take pride in this business, and I don't feel guilty for the years of hard work that it took to get to this point.  

This will happen from time to time so you need to not feel guilty about this.

I feel guilty of not being very active on Bp lately. so this post will hopefully motivate me to become more active in the forumI recently bought an old house that will need lot of clean up and work. i paid 78k including closing cost for this and arv is around 125k.

I may be one of those newbies guilty of this.

To be honest, investors in note funds should start demanding more - if I'm ever in a position to run a fund it'd have to be at least 2/20 or I'd feel guilty.