The withholding can also be stopped altogether, and only actual taxes owed will be collected by filing form MW506NRS at least 21 days prior to settlement and filing it with the Comptroller of Marylands office to get the exact actual tax owed calculated. 

A lender is the middle man who will sell your loan to the big banks and in most cases charge you points and higher fee's to support the branch and loan officers commissions.

I feel like there will be lots of people that are ready to get our of their home offices!

I was able to look up the life estate deed from the appraisers office and read it.

The pandemic forced people to work from home and having spaces that worked as offices became important. 

Quote from @Jacob Molina: How did you do a 3-2-1 loan or how did your loan officer bring that about?

I had listed a 10-unit property in Cincinnati, OH, and found a buyer through an agent from a different office.

And, yes, there are years of data points to validate that just within my office, tens of thousands of dollars of wasted appraisal and inspection fees for deals (mostly not mine, thankfully) that had 0.00% of going anywhere but the "Loan Application Declined" bin. 

Why are there two prom notes to finance residential real estate for the company's officers?

I had a call with a loan officer yesterday and I am very intrigued, but haven't heard much in recent discussions for this product or found anything in the search bar for this bank.