@Bob Daniels  My cc's are in my business name, so they don't report to the credit bureau, right now my score is just under 800, and my wife's is over 800.

Reason why I am posting is because a division of my company, a household enterprise technology company, is undergoing a boom in hiring and we are bringing in 90% of the employees from out of state.

Kris, please go to the Southern Colorado Better Business Bureau.

- I short refi for 'X' amount the Lender sends a 10-99 for the loss they have taken- I talk to my CPA and have them project the amount as a loss and not a gain in reality- Lender reports to the Credit Bureau about the Short Refi (which in effect is considered a Short Sale)- Credit report shows 'Short Sale' or probably, ForeClosure- Points reduce by about 60 points?

There have been occasions where a borrower has a great history with one of our loans and they initiate a credit bureau to contact us to verify and provide a mortgage history that credit bureau will add to borrower's account that will be included in scoring.The loan and payments should be included in your loan application when qualifying for other loans including traditional conventional loans. 

@Rob Hood his name is Ron James Jr, aka Ray James Enterprise.

For instance, we are a threshold broker and we are regulated by the Bureau of real estate in California.

If you're seeking to ascertain the future of a market, you're better off researching population growth forecasts (US Census), job growth forecasts (Bureau of Labor Stats), real estate market cycle analysis, and other variables affecting markets (vacancy rates, days on market, etc.).

You're selling to an owner occupant with seller financing which falls under Dodd Frank and the Consumer Finance Protection Bureau regs that went into effect this year.  

Look the company up with a google search, better business bureau, yelp, etc. and see what others who have done business with them say.