The upfront agreement step The upfront agreement step is a vital part to having the seller understand that you are (1), in a business to make profit, and (2), you're not there to waste anybody's time, either the sellers time, or your time.

Segmenting your market just as the automakers do and making sure that your product hits your key demographic audience and isn't trying to be everything to everybody is vital.

There is no new "closing" in a modification.  

I don't see why contract modifications is an issue either.

lol :) Perhaps she meant "modifications"

A loan balance can only increase if the loan specifically calls for negative amortization or through a modification.  

You can 301 redirect old pages to new pages, if maintaining naming conventions is not possible, but many don't know this.Since the homepage won't change, the SEO value would be maintained (and change only based on modifications to content, and meta tags, which you can easily replicate without copyright infringement)So, as long as IC and LP don't claim 'url structure' as copyright (it seems unlikely, but I just don't know, and they can update their TOS at anytime), then the migration shouldn't cause much impact on your site if your custom site maintains the url structure - but I would venture to say most folks using IC probably don't know the SEO implications of changing url structure, so they're unlikely to maintain it in a site migration.

Since then the daughter/son-in-law have completed four loan modifications over the years due to hardships.  

The mind is a powerful thing; I love connecting with people who understand how vital it is to know this.

It is vital you learn the specifics of the jurisdiction that you choose to invest.