The degree of difficulty is much higher than it needs to be, but part of the underlying agenda is to cut out equity financing and bring deals into a bank.So, while these new regs will be a PITA, they also provide a large financial gain in the system.BTW, I do understand your resistance and let's wait and see attitude since you don't have a mortgage broker's license, if I were you I'd hope it wouldn't be necessary too, but much of the two recent Acts are pretty clear, doesn't take a genius to read them and say "Oh Crap"!

There are always many options for structuring the loan, the key is to start and go after the best one for you then, if you run into resistance, move to the next option and so forth.

Good to know about the emergency switchJust remember the "emergency heat is pure resistance electric heat .

The painting of her by Giovanni Boldini is beautiful, and who can't resist a guy named Giovanni!

From www.personalliberty.com:Obama’s ‘Promise Zones’ Picked For Their Strategic Value To Democratic PartyJanuary 9, 2014 by Ben BullardPresident Barack Obama designated five areas Thursday as Economic Promise Zones: three in cities, one in rural Kentucky and one on the Choctaw Nation in Oklahoma – and nearly all of them offer Democrats stronger political inroads with resistant local voters.Obama described the ‘Zones as places where kids would, with the Federal government’s help, have the same opportunities to realize the American Dream as kids in more affluent parts of the country.

The units cost a little more than electrical resistance heating units, but they're longer lasting and far more efficient.

. :) Couldn't resist!

Respectfully, I don't understand the logic of resisting a $500 homeowner's policy to cover an $80,000 home.

Their resistance is they believe nobody has cash for a 10-20% down and that everybody has horrible credit.

While there are several manufacturers who use a wax-like coating on the edges that reduces movement and helps resist water penetration, It is a risk I wont take.