I was born and raised in East St.

However, thus far I was born in a huge city in China but now reside in a smaller but still huge city (Chicago).

I was born in England, live in France for six years, and also lived in Georgia, Florida, California and Texas while I was growing up. 

My Dad always told me there's a sucker born everyday.

But I guess not everyone is a natural  born genius as me so... the next best thing is... find a good wholesaler and check out what they have to offer.

New Mortgage Credit Scoring  (un-official chart) 840 - 800 Extremely Good 799 - 760 Excellent759 - 740 Very Good739 - 720 Good719 - 700 Above Average699 - 640 Average639 - 620 Below Average619 - 600 Poor599 - 550 Very Poor549 - 500 Very Bad499 - 350 BTR  (Born To Rent) or (Better To Rent) Online consumer FICO scores even though pulled through Equifax, Trans Union and Experian are NOT mortgage credit scores.Every product has a different scoring module.

I was born, raised, and still located in Philadelphia.

I came to Houston about 10 years ago after being born, raised, and schooled in Iowa.  

I am intimately familiar with the East Bay market (born & raised in Berkeley; Oakland homeowner since 1981; own rental ppty in Oakland & out of state).My opinions & approach differ in some significant ways from David's (e.g.

I was born and raised in Kansas.