Hi everyone, I am purchasing a house in Totowa NJ and having such a hard time with Wells Fargo with a ton of question  regard every penny in my account, the house I wanted to purchase is in contract and I am thinking about switching to another mortgage company, Sierra pacific mortgagehttp://www.sierrapacificmortgage.com/net/Home/Bran...I asked all around but no one I know ever heard about this company that's why I come you forum seeking for your advice and opinion about this company if you work with them before.Thank you all so much for your help and your kindness

Over the past several years I had learned a ton of usable nutritional information from books like "Wheat Belly" and "Grain Bran" to vastly improve my health, clear up some previous dietary related medical conditions, and shave my body fat down to around 12%.

Biggerpockets just published a brans new one, which I myself found very helpful.

That means you get to eat your Raisin Bran, Quaker Oats, prunes, bread pudding, meatloaf, green bean casserole, fruit cocktail and still have $12.13 extra every month to save for a trip to Cracker Barrel or buy some hard candy.

Obviously if the oat of your funds is high, your profit will be lower and if you are all cash, then profit higher, keeping in mind that leverage applied properly will result in better cash on cash returns than all cash.

The first 10 years are I/O at a fixed rate, then that same rate converts over to a 30yr fixed.

I'd rather do the maintenance on a 4 year old 3 BR than a 20 year old 6 BR!

One of my good friends is the grandson of Buzz Oats, so I've heard and seen the incredible legacy left behind by a master of real estate investing.

THIS IS ALL UNDER THE ASSUMPTION I CAN GET I/O at THE SAME OR CLOSE TO THE SAME RATES I'm getting normal commercial loans.

I just got a term sheet yesterday for a property i'm working on and it was non-recourse, 12 year loan, 30 year am, 3 years I/O at 3.90%.