I read his book (in both English & Spanish, good practice).  

Hey @Jen Mendez, I'd love to join a meet up if you all are planning to meet in 2018 and are open to English speaking members (I will be taking Dutch lessons soon!) 

Here is a Google definition of “woke” since you seem to be having trouble with it: “Woke is an adjective derived from African-American Vernacular English meaning "alert to racial prejudice and discrimination".

My 0.5 cent and please keep in mind English is not my mother.

Never send money in advance for their fee's  NEVER. thats a huge red flag that they are just out for fees and are fake lenders.2. bad or not really good written english .. on the phone they sound like they are off shore ( which they are ).3. rates  lower than market most of the fake lenders will advertise 5% rate that does not exist.4. insisting you pay for mortgage insurance  there is NO mortgage insurance on PML HML loans does not exist.While NMLS registered and state licensed is a good way to vet a lender keep in mind only 12 states require it.

@Johnny English Likely not 100% but there are other factors and limitations to consider (business income, type of vehicle, possible modifications to the vehicle, etc.) and doing so is outside the scope of this thread. 

I'm a refugee that came to the US with no money, no English, no support network.

I speak four languages ( Wolof, English, French and Arabic).

I am bilingual fluent in both English and Japanese. 

I have a few questions needed expert help (sorry if my english is bad).I'm on quite tight budget (max 110k home).