(This isn't a direct reduction of the rate for refis, it's a reduction in cost.

If she is wanting to close earlier ask for a reduction in selling price or if you are no longer interested get your $5K back in order to terminate contract.

By personalizing with the agent, understanding the sellers position as well as where strategic negotiating points lay, we negotiated at 25k price reduction with another 5k post inspection

If I had knowledge of what was to come, I would have at least asked for more of a reduction on the asking price for sure.

As a result, we have met with many, many families in this situation.My experience is that these families have tried over and over again to work out a fair principal reduction with their lender.

Create an LLC for asset protection and tax reduction. 

I am an Enrolled Agent (like Natalie) and I purposefully went that direction because my passion is tax management and savings/reduction. 

My response times are much faster for tenant issues than for my own.To me, buying a home is an investment strategy for expense reduction when retired as well.

Keep in mind that if there is a recession, people will likely stop buying products, which means reduction in labor forces.

You most likely need an attorney to represent the LLC in court and in property tax reduction appeals.Then there is the bookkeeping aspect of having them all and making sure you have the right checkbook on you.6.