Flexibility in Loan Terms: Josh offered a unique hybrid product that let my friend lock in a portion at a fixed rate while leaving the rest variable.

If your local market is very active and homes are selling fast, you may be able to get by with doing less.Your Home’s Condition: If your home is vacant or has a unique layout, using a professional stager who can bring in the right furniture and accessories may help buyers truly visualize its full potential.Your Budget: Talk to your agent to get an idea of staging costs in your area, as it can be the difference between your house selling and sitting.

You will find regional ones, statewide ones, and national ones. 

In general I am anti-arbitrage but for something so unique it may make sense. 

Every situation is unique, and we work with strategic partners to provide solutions for almost any scenario.

They have outside regional guys and you order through them. 

@Drew SygitOh, I forgot to ask - any free tool recommendations for determining the various classes of neighborhoods in different regions?

Most commonly we are getting rates in the 4-5% region.

There's a world of possibilities out there, and each one offers unique benefits.You might find that single-family homes are readily available and could be easier to manage or sell if the need arises.

Yeah, lenders are cool with it, especially if they have something unique like a great FTHB program.Like I said, go right to HR/payroll and ask them.