That was the catch, not the substance.  

The cigarette they are smoking has hundreds of chemicals in it that are not good for the body.

Yes, most agents are salesy people with more charisma than substance, but YOU can be one of the great ones by learning the business very well and then the clients will come. 

This is of course just my opinion...but several of your discussion points like being able to lock the rate on a balance and obtaining a lower interest rate seem to overlook the substance that this is a revolving product so treat it like one.

@Noel Lopez Yes the properties are in personal name, the loan officer is Shawn Huss at Chemical Bank.

Chemical Engineer, gig'em Aggies!!!!

All water-based paints are frequently referred to as "latex" instead of "water-based" although this is incorrect.The term "enamel" refers to a hard, glass-based substance applied as a glaze and fired in some kind of furnace, oven, or kiln.

We never saw active termites and a foundation guy I brought in pointed out where a previous termite chemical treatment was likely done so I think the termites were an older problem.