You don't really talk about real estate or what's going on in the community since you're playing a game, but eventually you'll strike a conversation with someone who knows a lot about the area as well.

Just a little about me, I own a painting company, however, we do custom cabinetry, dry walling, flooring, etc.

Guy is playing a game of chess.

Chris, I haven’t used First United for a duplex, but do have experience working with them on traditional mortgages and to be honest I’m not surprised they got their info wrong, their knowledge and customer service isn’t the best (and their website isn’t user friendly at all) I would definitely talk to other banks.

I understand all your fears and it is a hurdle/risk we have to overcome in order to ger skin in the game.

I’m new here and new to the real estate game, actually I haven't even scratched the surface yet.

finally after almost 6 months in getting my credit scores up to par...I have a little cash saved, andnow it seems I keep running into sellers that are playing games...ie List for 62.5 k...then when I madean offer of 60k...she countered with 64.5k...getting frustrated with trying to negociate buying...thisis not the first time....its happening over and over again since January with varius properties and differentrealtors...any advice?

But what I meant is not much info about them online from customers, such as reviews.

Most lenders will not put a lot of work into a loan until they have some sort of borrower skin in the game.

They have more skin in the game then you do.Make sure you get clear title.