Note: that 0.85% can vary depending on the percent down and other factors so check with a loan officer for different scenarios.Finally, your monthly P&I payment is based on the Total Loan Amount (Base Loan + UFMIP) which is $176,739.75 and on a 30 year term at 5.00% this gives a monthly payment of $948.78, so about $16 more than what you have.Not sure about closing costs in TX -- here that $3K would be low. 

Once some inquires, we respond with a very polite request for income verification.

I always reply I have time to meet you at the office with your track record, credit score , pof and willing to sign an agreement. 

If there are any Bay Area RE clubs, I would love to hear about them.During office hours I am a hardware/software engineer working for an Inteligent Building company.

Some Capital Title offices can, but recently heard they won't close sub-2 when there's an underlying  VA or FHA loan. 

Investors that love office buildings.... well, you get the point. 

A pen was handed to me in the Title office when it was time to sign my name on the final docs.  

You might be told how to find them through the Tax Assessors Office or the government owned office that knows the people that deliverpast due billings delivered.people that deliver 

@Donald Coleman depends on your learning style but I’d highly suggest in-class at your local organization of realtors office.

(Just to clarify, I would like to steer clear of any political discussions or discussions on pros/cons of the tariffs.)