Then I took, and passed, the exam in January.

In your situation i would examine your budget and determine why you have had difficulty saving money, is it a matter of unavoidable circumstances or choice?

Estimated Closing Costs Buydown/Subsidy Fee 801 Loan Origination Fee 0.000% $ - 802 Loan Discount Points $ - 803 Appraisal Fee $450.00 804 Credit Report 805 Processing Fee $365.00 Extended Lock-in Fee 807 Assumption Fee 808 Underwriting Fee $365.00 809 Flood Determination Fee 810 Tax Service Fee 811 Application Fee $365.00 876 Lender Closing Fee 1102 Abstract or Title Fee 1103 Title Examination 1104 Title Insurance Binder 1105 Wire Fee 1106 Notary Fees 1107 Attorney Fees $325.00 1108 Title Insurance ** $875.00 1111 Restrictive Covenants 1112 Tax Certificate 1113 1201 Recording Fees $100.00 1202 City/County/Tax Stamps $758.50 1203 State Tax Stamps $176.81 1204 Document Stamps 1205 Intangibles Tax 1301 Survey (optional) 1302 Pest Inspection 1303 Courier/Delivery Fee $35.00 1304 Commitment Fee 1305 Document Review 1306 Processing Fee 1307 HOA Start Up Fee $425.00 Total Estimated Closing Costs $ 4,240.31 ** Title insurance assumes simultaneous issue

Here are my points and some more food for thought.Finance Examiner- What I'm referring to on deductions/expenses is as follows.

Examination: Buyer may examine title and furnish Seller with a written statement of title objections at or prior to the closing.

In signing this Lease, Tenant agrees that Tenant has examined the Premises and certifies that it has not observed any pests in the Premises.

Bill Gulley - That really doesn't seem to be a very good argument against legalizing prostitution, but if you really believe that's the big issue, let's examine some statistics:- There are really only three STDs that have any reasonable possibility of killing you -- HIV and Hep B.

The reader will typically examine the contents, 'feel' the letter and make an unconscious, split second judgment if the letter looks 'real', personal or business and then skim the headline sentence and P.S.

It's apparent @Devon Woodson struck a nerve with you and I get it.  

A number of Rastafarians had the nerve to move furniture in and said they’d only leave after an eviction.