Many people hold that same insurance until they resell their home (5 year avg when rounding down). 

What would look most attractive to a bank when making an offer on a foreclosure property Example 150k with closing costs paid by buyer 155k with a 3% contribution 160k seller paying all closing costs Round figures etc....

While many people visit Orlando year-round, late December sees a substantial boost in all key performance indicators.

Why no love for Round Rock?

You round robin it.

I bet that they are on one of those programs where they only have to pay a certain amount for electricity all year round, and so they prefer to heat with electricity because it's "all you can eat", rather than with gas, but I don't know. 

Flights from the east coast are literally 75 dollars round trip right now. 

You should make the rounds to several local banks, mortgage brokers and credit unions and see what they can do for you.

You really need somewhere that has high demand year round.

Making an hour and a half round trip to and from school twice a day.