If you want details, read through pages 15-22 on this document.

Also file a complaint with the CFPB Submit a complaint | Consumer Financial Protection Bureau (consumerfinance.gov)Regarding do you have any legal action - you can prove you do not owe it but you will not get any compensation - courts have ruled long ago the only recourse you have is actual money you lost - there is no "pain and suffering" if a statement is incorrect and you have to fight with them on it.

If you want to proceed, please gather these few documents, and email them over to me.Photo ID: Please provide a clear copy of your valid photo identification.Proof of Social Security Number: Documentation confirming your Social Security Number.Homeowner Insurance Declaration Page: Is the cover letter with your policy number and coverage amounts.

If you want to proceed, please gather these few documents, and email them over to me.Photo ID: Please provide a clear copy of your valid photo identification.Proof of Social Security Number: Documentation confirming your Social Security Number.Homeowner Insurance Declaration Page: Is the cover letter with your policy number and coverage amounts.

We quote based on the estimated FICO score you provide so if done right with accurately submitted numbers (property income, expenses, taxes) then the actual credit pull on loan app is the only way a rate would differ from the quote and term that is rate locked for underwriting or if the loan app is submitted in a large enough time window in which rates could have changed (we're in a dynamic rate environment so by the day and the week rates fluctuate). 

It is well documented online that soap in a sump pump accumulates and solidifies and then blocks the pump’s abilty to move.

All other factors (applicable documentation, terms/interest rates, title, requirements) seem to usually be about the same.

Getting a HELOC without a full appraisal can be tricky, but there are a few ways it might be possible, especially if you’ve added significant value to your property.Showing Recent Home Improvements : Providing documentation of recent home improvements and their costs might convince a lender to waive the full appraisal.High Equity : If you have a significant amount of equity in your home, lenders might be more flexible with appraisal requirements.Streamlined HELOC Programs : Some lenders offer streamlined or fast-track HELOC programs that don't require a full appraisal.

., I think an unlicensed person should be able to represent themselves in a purchase/sale in the same way a homeowner can make renovations to their own home without an MHIC license), but overall I think this is good for the general public (and, yes, its good for Realtors - but as Russell points out HB301 was introduced at the request of MREC, not Maryland Realtors).To reemphasize Russell's last point: if a wholesaler believes they are operating in an ethical manner then they should get licensed and submit to the rules that MREC has put in place to protect the public from real estate scammers and incompetent licensees.

I send out a one sheet that has our current rates and terms, all the steps involved, and expectation of documents needed.