:PIn any case, OP: CUs and independent mortgage brokers will be pretty neck and neck on rate/fee combo for a given situation.

Lots of good deals in that neck of the woods.

They do have a maintenance cost and are sort of a pain in the neck when it comes to loans and such.

got it I misunderstood you meant to hire someone cheaper for cleaning gutters,  the guy whom I hired is not a roofing contractor per se he is a renovations contractor who does fixing cracked boot /chimneys thought I could pay him an additional couple of hundred bucks to clean up the gutters as well while he was already there.gotcha. sometimes it's hard to convey and infer intents from a written medium. yeah, in that case, for a couple hundred it's well worth avoiding a broken back/neck.  

The effect on buyer activity (at least in our neck of the woods/waves) has been near instantaneous.

If you've never been to this neck of the woods, you need to come by and drive around.

Stay away from muscle cars.

It sounds like you'd be sticking your neck out pretty far in order to make this work, and I'd hate to see a bump in the road derail the entire thing.

@Tim OlsenThat sounds great I wish you were in my neck of the woods - lol.  

And were Bill is coming from on the predatory side of this is that at least with Joe Picketts admission most of the buyers of these homes are working class Hispanics with limited knowledge of RE.So for you in your neck of the woods you take a beat up shack in Ephrata sell it to a Hispanic farm worker for double what you paid for it  get a small down from the.. ( there was a lady hawking some of these were the down payments were 500 dollars) and hope for the best.NOw if your using this model on non owner occ and in states were no license is required for commercial loans for commercial purposes this works much better..