Hey @Debbie Palmer, so I am with @John Underwood on calling.https://www.loganutah.gov/government/departments/community_d...There are several folks listed on that site that should be able to advise.I will say that she will essentially need to clear out all her personal and important things.

FEAR - fear held me back personally.

There are those that do it, & feel quite comfortable.

Quote from @Greg Friedman: I recommend self-management if you have the personality, time, and energy.

At the end of the day, the purpose/use of the proceeds is for the borrower's personal home (i.e., personal, family, or household purposes), which puts this loan squarely in the consumer loan category.

I don't know Greg personally, but tends to be direct when I see him on the forums.

What has your personal experience been and how much have you or people you personally know paid Pace?

No personal experience here but here's a helpful reference from someone who wrote a blog about different aspects of a 2 flat remodel in Chicago Scroll to "Two-flat journal 6: How to make an all-electric house" - - speaks a little about heat pumps and cost In the HVAC section.  

So I told him if you aren’t comfortable with that would you feel comfortable giving directly to lender?

If I can help answer any questions feel free to reach out or send me an email I have over 18+ years in REI & Finance.