Which includes a copy of the front & back of the cancelled check, you can usually get this directly from your bank, and a printout on your account (online banking is ok as long as it identifies it’s your account with a name or account number) from the date of your last bank statement through the date your Earnest Money check cleared.10.Name and phone number of your homeowner’s insurance agent- I know a great agent if you are interested in a name or a competitive quote.11.A full copy of bankruptcy papers, divorce decree, or court-ordered child support if applicable.12.If Gift Funds are used, a signed gift letter that we provide you and proper proof of the donor’s ability to gift the funds.

For properties that we manage we send a Christmas card that we printed at VistaPrint to be more professional and include a food gift card of about $15.

Keeps us from having to gift eachother money too which is nice. 

You would have been better recording the sale at $300K (for you a purchase), with your grandma gifting you $220K.

A second option would be to ask your family members to loan or gift you half of your down payment.  

Offer to buy him some PBR or give him a gift certificate to a tatoo parlor once the house sells.

I actually bought one of these for my buddy as a wedding gift.

Seize the house from the banks, gift it to the deadbeat who won't pay his mortgage.

Merry Christmas from Germany.Wish you all peaceful holidays and nice gifts ;).

You can also sign up for different types of magazines at Lowes - probably Home Depot too - they send out the magazine once a quarter with a 10% off coupon in it and if you sign up as a contractor or a realtor a Lowes - they also send you just a discount coupon on a regular basis that is 10% off.Next you can go to Lowes and look at the very bottom of the page and sign up as a Realtor - you can send gift coupons from you to your home buyers and clients direct from lowes with your name on it - they also send you coupons though there.The bid room at Home Depot can save you between 12% and 18%, but you have a minimum purchase and you need to sumbit your whole list for them to price.