I find it extremely important to know and track your numbers on a consistent basis.

If anyone has any groups they suggest or even events that I can attend on a weekly basis I am all ears. 

Picture ranch style home with private or semi-private rooms.With regard to COVID, I think these would be more desirable and less of a risk compared to big box facilities where there are 100+ residents and staff coming in and out of the facilities on a daily basis.  

I'd take money at 5.425% all day every day, but you might be able to do better.

We will have to settle in and around Vancouver as my husband has a long-term job here for which he needs to travel to the city every day.

An FDIC Bank with no overlays will always offer a lower rate because a broker has to meet a broker bucket in most cases 2.75 basis points.That margin is built into the rate you receive but a banker can work on a lower basis point especially in a high volume situation. 

The Days on Market (DOM) figure for single-family homes fell from 51 to 26;Total property sales rose 9.2 percent with 12,036 units sold;Total dollar volume increased 26.7 percent to $4.3 billion;The single-family average price increased 14.0 percent to $380,233; The single-family median price rose 15.2 percent to $310,000; Single-family homes months of inventory registered a 1.9-months supply, down from 2.6 months year-over-year and below the national inventory of 2.6 months;On a year-to-date basis, single-family homes sales are running 17.4 percent ahead of 2020’s record pace.Townhome/condominium sales jumped 27.1 percent with the average price up 9.5 percent to $237,473 and the median price up 14.3 percent to $200,000;Single-family home rentals fell 10.2 percent with the average rent up 9.6 percent to $2,153; Townhome/condominium leases rose 1.8 percent with the average rent up 6.9 percent to $1,765.Source HAR

Until then the baseline for LTV calculations is the purchase price ($100K), so no ability to refinance out cash* For residential (my name / fannie mae, freddie mac lending), before 6 months they can re-appraise, but the loan can't be a "cash-out", the max loan amount is the financing basis - so if the title work said the 1st lien was $90K, that is max loan, if $140K then that is the max amount

You need to be calling every day and making sure your list of personal and property damage is extensive and very detailed. 

NY is SLOW and you need to call everyday to get the ball moving.