Next they'll create a sense of urgency saying there are only a few slots available and just because you apply, doesn't mean you will be selected.

Now places like Waldorf and PG County got worse.

Yes, my 401k doesn't send me a check every month, but it returns 6.5% annually and will pay out like a slot machine in my retirement.

I did also indicate I wanted a PG from him. 

The other issue with Texas is they SUE on the notes so if one was to sign a PG  your screwed.

Let me put it to you this way, in Las Vegas you can chose to gamble on many different slot machines, all of which the casino keeps a percentage of every dollar poured into the machine. 

@Sam Garner  If Tim and Sam are not agents within the same company, then Sam's info would go on the left side of pg 9 on the contract and you would check "Represents Buyer only as Buyer's Agent" if Sam has a Buyer's Agency Agreement with the Buyer - otherwise he would represent the Seller as Listing Broker's subagent.If Sam and Tim are agents within the same firm, then their information goes on the right hand side of pg 9 under Listing Broker Firm.

Sounds like he is "crafty" to keep things PG.

Right now my husband and I are trying to build a business line of credit for our company (see my signature below) but it takes so long especially when you have bad personal fico scores and trying to do without the PG.

We only had to remove lots of plaster in the bath ceilings to fish up the risers, and cut a slot behind the run of cabs and appliances in the kitchen.But finding someone willing to do this kind of work may not be easy, since it's not as simple as just wiring open studs and letting someone else worry about closing up.