@Etienne Martel, @Tom Ott, @Matt Motil, @Dmitriy Fomichenko, and @George BlowerI never fail to get inspired by the warm welcomes extended to new members to this site.

I have a full-time job plus a 3 year old and an 11 month old at home so my ability to travel to these areas and spend extended time getting to know the market is limited.

I will never ever buy a home warranty or an extended warranty on an appliance for the rest of my life...

I'm vested in LV, and watch many reports, like the soon to be released GLVAR sales report for Jun'18.

There was a final Department of Labor rule released last spring that may have applicability to this.  

Rented/Weiss Analytics just released their top 100 vacation rental markets for 2021 and the top 5 were: 1.

They are simply a third party who has a loan that is collateralised by the property which they will take a settlement offer to release the lien on.

The lender has the option of extending this deadline another 245 calendar days, for a total term of 12 months.

So section 3400.103(X)(x) will read:An individual “takes a residential mortgage loan application†if the individual receives a residential mortgage loan application for the purpose of deciding (or influencing or soliciting the decision of another) whether to extend an offer of residential mortgage loan terms to a borrower or prospective borrower (or to accept the terms offered by a borrower or prospective borrower in response to a solicitation), whether the application is received directly or indirectly from the borrower or prospective borrower.

Had to let it set in the MHP for 4-months until bankruptcy court released it - then mortgage company had to reposses it.