Be mindful L/O are heavy regulated here in NC.

Looking for more learning opportunities, my wife searched iTunes for Real Estate podcasts, and, lo-and-behold, Bigger Pockets had a podcast.

Sign the P&S and work with a Loan Officer (LO)2.

The main reason is ND is that it is easier to get property back and I get to depreciate asset as L/O.

The disclosures will tell you if the rate/fees are, or aren't, locked.FYI it's illegal for that LO at LD to get paid $1 more, or less, because of your rate, fees, lender credits, etc.

If that LO could communicate well and give clear answers to their guidelines, etc, then they wouldn't be 'order takers' working on HELOCs, they'd be 'rain makers' doing mostly 30YF first position mortgages. 

https://movement.com/lo/parker-borofsky/   <-- savviest lender and an investor herself.  

However, a careful reading of the FBI "story" revels this:…After forging your signature and using the fake IDs, they file these deeds with the proper authorities, and lo and behold, your house is now THEIRS.* (please note the asterisk)* - Since the paperwork is fraudulent, (I believe it should read "forged" since a fraudulently obtained deed or mortgage may, in some circumstances, be enforced) the house doesn’t legally belong to the con artists.Based on that I think even the FBI agrees with my post that nobody can lose title to their property through a forged deed. 

Here is a link that you can use to verify that your CPA is licensed within the state of Connecticuthttps://www.elicense.ct.gov/Lo...

I am by no means a master, but I’d be happy to answer any lender questions as an LO and sales questions as a former agent and share the lessons I’ve learned with my own investments—usually from mistakes lol.