I am a current customer with Flagstar Bank and I am applying to refinance my primary residence.My FICO mortgage scores are 632 , 623, 590.

I think they should have had their existing customers free as they indicated and charged only new customers.It sometimes fails to auto detect.I think I have had issues when at end of trip it has no coverage. 

Make sure you have coverage for your site work, utilities, and foundations (as needed for modular), plus the modular cost AND modular delivery, placement/crane work, and any finishing AFTER installed. 

Keep in mind that along with rent you also need to cover furnishings, utilities, cleaning staff, maintenance and supplies.

If that doesn't work, then the eviction process would need to be utilized.  

I know in NY there are certain rules utility companies must follow, there could be similar rules by you.

Utilities will matter also. 

You will create clarity for your customers and help them understand and feel great about their place in the world.”Branding yourself is no easy task.

Neither student loans nor utility bills will kill your credit score. 

@Edward R.Being in the window industry, most distributors won't deal with regular customers like you.