At least, I count all the costs to buy before they will make an offer.

As ridiculous as it sounds, if you use AppFolio Property Management software, it will change the 365/366 day count depending on the year you're doing the proration.

After the 15 day window all those credit checks will only count as 1 inquiry.  

One thing I know for sure, as devastating as some of my trials have been, and this past year has been the worst of my life, I can always find someone that has it harder, so I try to remember to count my blessings and keep moving forward. 

Again, I could be off but I wouldn't count on $2K.

Village told me it doesn't count as it's not recorded in county office!

some will, some won't, it may be because during underwriting they are going to look into where you are living and if you own or rent, they will see that you just came off the loan and it won't pass a sniff test and they will want to count your current mortgage debt against you even though you aren't on it anymore.

You're double counting an expense.

None of these things are appealing to her, and since her vote counts just as much as mine, I can't force any of it on her.

I did not realize the power that I had and simply accepted defeat.