Before he started the work, on multiple occasions I had requested proof of permits, the actual estimate, and at least something in writing.

I do agree thought that price is a bit steep.I know @Michael Blank also has used them

On multiple occasions we were told that after closing we would be able to rearrange the draw schedule as we needed.

I think it would be in the best interest of newbies to establish an account with BofA or other large institutions because they are so resilient and offer great products.On two occasions last year, I wanted to pool funds to one account in order to send just one wire transfer to avoid confusion to the recipient.

After navigating to that URL, it prompts me to enter in my email address and it says it will send the 33+ forms to my email, but after doing so and selecting "Get the files" a blank white popup displays and I never get an email sent. 

Also the four plumbers who I spoke with on different occasions said that there was know way that the utility or the city would cover any of the expenses.I agree with you that it is less of a concern. 

Modern surveillance technology has saved me on numerous occasions!

I would typically consider normal wear and tear, unless there were repeated attempts to mount the TV unsuccessfully, such as missing the studs multiple times, which I have observed on numerous occasions.

Just look up amortization schedules, and fill in the blanks for:  principle, interest rate, term. 

On other occasions, they will simply get them with an on-line template through sites like Law Depot or Legal Zoom.