I've had to pull files numerous times from one lender to another and have credit repulled, but have never seen a different score come up (save if the new pull is 30+ days from the first). 

There are numerous ways it could go awry.

You could read 100 books and still need to learn more because certain things must be learned through trial and error.

Many women are petitioning against the year limit since 20k for 12 months is really not a lot of time; I've received numerous emails about it. 

I have not done a deal with him, but I have met him numerous times and feel he is a man of good character.

Was it because of a contractor or plumber error?

It's just personal. 99% of folks here cannot survive $5k/monthly deficits, .5% here would not know if it was a rounding error, .5% would make them look twice but not make them do anything besides try to manage it a bit differently.

Even if you do not need a state license, you are making a consumer loan and have to follow numerous federal statutes including CFPB etc.

The program was what took me from analysis paralysis into a deal, their info is very well put together, all based on their trial and errors.

@Bryan Schwartz a lot of trial and error - and even then, you have to watch them as they get greedy when you aren't looking.Try going to Home Depot Saturday 6am - those are the hard-working guys!