EDUCATE YOURSELF - yes, it will take time, but will lead to a selection that better meets your expectations & avoids potentially costly surprises!

It really is a minefield out there.I know everyone likes the convenience of the web, and they are tired of hearing it, but this really is a business based on relationships, not online anonymity.

i do not however use it for heat mine is an AC only unit I believe not a heat pump unit.If you're whole unit is relying on one mini split for ac and heat that surprises me just given if you shut a bedroom door you'd not have heat from the split that I assume is in the living room. 

It would not surprise me if they were acquiring the paper and servicing rights to take an inside line on refi's for these customers if rates decline.Actually CFPB regs may NOT apply if the subject loans are investment or commercial property loans and not SFR owner occupied or consumer loans. 

I’m surprised that in itself isn’t viewed as a red flag. 

Have been tracking the news on insurance which surprisingly to me- is not expected to rise in Colorado, post the LA fires.

Frankly, I'm surprised by all the positive reviews. 

Surprising you can get a heloc on an investment property - those are tough.

Just take the one that is the most convenient for you. 

(Churches are surprisingly low value structures.