Just watched a show called "Forgotten Planet" on Netflix.The episode's about Detroit Michigan & Gary Indiana were pretty interesting. 

As to James, your question above (I have not forgotten my friend :)), the information above is through my eyes as an X-Internal Default Servicer.

Now I'll concede mid 7's under the Fannie programs (I had forgotten about those) but 6.1% is unheard of (in my experience) here is GA, for FTHB.

We are a nation that has forgotten how to THINK for itself, and we all follow the "pied piper", no matter what party they belong to.

If you are open to take a look at the Emerald/Forgotten Coast, please connect with me. 25% down and your price point puts you in a condo looking at the Gulf with sugar white sand here in Panama City Beach easily.    

Here is where you might begin in understanding the nature of posters on BP (or any site).Cognitive bias is applied in economic psychology to study reactions, selections or choices, fears, our naïve nature, how we justify things and more.I studied these aspects a bit in school, but there was a short sales book that identified personalities and the best way to handle them, I couldn't find the book and I've forgotten most of it, I just use a big hammer on most personalities, works for me.I did find this for anyone interested.

I'd forgotten that.

I remember hearing about that from somewhere and had completely forgotten about it...

I haven't forgotten this.

Having forgotten about the conversation I got a phone call from her about two months later saying she found something that she thought I might be interested in and this is where my real estate journey began.