5) I was looking up "Northwest Registered Agent" (a company that offers all the services at a fraction of the cost) and wondering if anyone has worked with them?

So if that lender has even a SMALL fraction of overlays it might make you a very small percentage worse on your conditions.  

You can replace an entire kitchen with like-new appliances for a fraction of the cost.

There's a valid reason people pay over a million to do what they could do for a fraction of the cost.

@Patrick McGowen  you may want to talk to @brian@Brian Eastmanundefined   can help you cut your custodian fees to a fraction of what your paying.i was with entrust for 20 plus years.... they just kill you with fees.. 

First, your living expenses would be a fraction of what they would be if you had to pay the entire mortgage.

So, if you find a house, you can (or find someone who will) look up the information and you can approach that lender.Nothing is final until closing, so you can always leverage one offer against another lender, which we also did to get another fraction of a percent taken from the interest rate.Good luck, and Congrats!

The reason why I ask is because there are a lot of companies that advertise "tiny home" for a fraction of the cost.

It's not as reckless as it sounds if you consider that I have all the variable income coming on top that isn't considered in the loan application process.Aside from the cash I plan to use for down + closing costs, a large fraction of my current net worth is tied up in my 401k plan.

Knock the hustle all you want but when “us” people in the Midwest can match your income and our cost of living is a fraction of your cost who is creating real wealth?