Well I wonder then if they even think about wet hair like you did or just go into hgtv mode and think the shower is so modern looking.

Talk to City folks they are super helpful.Good LuckVivekHi Vivek,Do you go to the city office or is that something that can be discussed on phone.

Her income is right under 3x the monthly rent requirement but does have a steady job in a dental office.

The next targetAs the IRS and the others ramp up their safeguards, identity thieves are now targeting tax professionals, human resource departments and payroll officers to get more data – such as copies of W-2 forms – to put together more authentic-looking tax returns that will slip through the defenses.The group is working to alert those professionals as well as continuing to warn taxpayers as well.

In further exploring this route though, the mortgage officer I’m working with mentioned that while they may be able to refi up to 90% (or maybe even all) of the balance I have borrowed from hml, if I instead choose to acquire the property with my own cash (no hml), then the max amount they are able to cash out (refi) to me is 75% of property value.Can anyone explain to me why this is?

That entails both money and time, and she may not have had the opportunity to expend either within 5 days of the divorce.Were I in your shoes, I'd engage an attorney to draft the quit claim deed, inform the ex to contact the attorney's office and arrange a time for her to go sign, and that would be that. 

My loan officer hasn't told me the exact rule, but essentially they are asking whether I bought the house with cash or with credit.

I’d recommend contacting the university’s foreign student assistance office with your question.

And has top-notch agents working in the office.  

Great area, had a blast.My office (SJ Lincoln Realty) is in Ballston Spa.