http://www.mortgagebankers.org/files/News/InternalResource/64858_Announcement08-22.pdf No outstanding liens (e.g. purchased for cash or previous mortgage loans have been paid off) − If the property was purchased within the 6 to 12 month period prior to the application date for the new financing, the LTV ratios will be based on the lesser of the original sales price/acquisition cost (documented by the HUD-1 Settlement Statement) or the current appraised value.

Consumer confidence has as much to do with 'experience' as it does the 'news'.

Maybe offer to get rid of the tree and then have somebody dig it up and move it a couple feet onto your property?

If they are done right then it's just a mater of adding their stuff to your digital file.

Great news.

I also think it should be combined with direct mail in order to create multiple streams of leads (throw in networking, news paper ads,etc...).Over the past 12 months I've really focused on building up my online presence.

We don't have the luxury of watching California to give us a 2-3 year barometer.The good news is the Mountain West's fundamentals are very good in terms of job and population growth. 

Of course it was a super cold day in the Northeast(low single digits and windy,) and a no-knock warrant was executed- they broke down the door, and dragged out two out of the three tenants(the upstairs neighbor had been roped into the dealing operation.)

Repairs must be accurate (get inspection and/or multiple estimates [don't always go with the cheapest]).Bad news: because it can absorb a lot of slop, it leads to sloppy business practices, which lead to sloppy business habits. 

Also, news to have a realtor with experience dealing with mnfred homes as they are harder to get conventional loans for.Just my 2 cents worth