There you will be asked your criteria and then after answering a few questions you will be matched with 3-5 agents or loan officers in your area.

The "big" firms like AA may get a lot of hype but they generally can't compete on the next level tax strategies (Family office type strategies) nor customer service as their employee turnover is quite high.  

We have emails, video conferences, secure portals etc etc.We do have a physical office, and half of our clients are local.

You're right, I definitely do not want to force a bad deal just to avoid a relatively small amount in taxes.This morning, I spoke with the property assessor’s office in the county where my property is located.

Not sure what ($139.11) Wall plate covers $1.62 Garage door balance $1,185.01 Cheap paint brushes $3.89 Drywall anchors $8.21 Door finishing $1,400.00 Wall plate covers $5.48 Shelve brackets and air filters $60.58 Stair refinish $560.00 Door handles-dummy $41.30 Door handles-dummy, angle finder, Paint for countertops $123.40 Front door handle $152.55 Door finishing $350.00 Window balance $10,993.20 Landscape lighting $246.15 Fixing exterior lights and plugs in office $150.00 Door stops and towel hanger $20.83 Ring doorbell $65.84 Light bulbs for chandelier $43.88 Hanging chandelier $49.00 Hanging chandelier $462.50 Vent cover $19.68 Gutter extender $6.16 Mailbox $447.21 Landscaping-Wanderwolfs $119.63 Landscaping $932.88 Gutter extender, 2x emerald green $110.43 Pebbles/mulch $86.54 Paver $125.12 Landscaping $521.31 Landscaping, gutter pop up $403.93 Landscaping-adjustment for 20% discount ($89.78) Beach pebbles, garden staples, Insect killer $135.59 Emerald Greens $72.94 Pebbles/mulch $100.06 Returned Festuca grass ($16.64) Mulch $11.49 Paver $41.71 Mulch $10.38 Front tree $900.15 Fence $5,690.00 Fence stain $667.05 encapsulation $3,165.63

If the case was substantial, I would imaging your lawyer could subpoena the officers to have them testify to what they witnessed. 

The appraisal stated one was an office, another was a den and the 3rd was I think called a daylight room. 

There are likely work arounds and you will need to discuss with a loan officer.

Tools like this helped us determine that retiring in the Memphis Metro area was good for us and has helped form our investing strategy, mainly SFR and some commercial spaces (flex, studios, small office).

Escrow Officer or Title Rep6.