I built great relationships with great people.That potential started to become a reality, and once I found out that I was pre-approved for a loan (extremely surprised at the time), I was off to the races.

To my surprise, I get the textbook answers. 

Good luck and I think you will be presently surprised!

They should be able to provide 30 year term/ fixed rate mortgage.As far as your report I am surprised at how much you are paying for Closing costs

Really surprised more investors are not doing the same thing.

They will tell you how you can call your CC companies and increase your credit line all so you can purchase more of their classes.You might get a good tip here and there, but I wouldn't be surprised if the info they give you only leaves you with more questions.

Thanks for the referrals, I will reach out to themToday I spent part of the the day getting quotes from companies that  I found through yelp/angie's list and was surprise by the difference in price, some quote 1k,3k, 5k, is this usual?

It's a little bigger (4 beds, 2.5 baths) than the average rental (2-3 beds) in my area, but I'm surprised that I haven't really gotten any hits.

The reason I don't like to look at the past is that what drove prices to those highs previously won't necessarily be the same dynamics that will drive them forward in the future.I can't say for sure, but I suspect the next time the market slows as a whole (or corrects), we may see some surprises as far as which city's prices decline, which ones hold up, and which ones recover the fastest. 

so surprised this is in CA