I don't know what the procedure is for getting certified, and I don't know if it's possible to get it accomplished within one year.

[[bill]] or his mom never followed any of the instructions or procedures.

http://www.adbunited.com/gb-html/trade-agent/trade-documents-procedures/ncnd.html

I agree with BillYou need to familiarize yourself on corporate procedures & there are a lot of good books out there .

The procedures are different for every county in the US.

Independent loan officers or mortgage brokers know its all about relationship and people not just numbers because its how they obtain their business the mindset is just way different than a corporate banker job- advice/customer service - a good lender will be able to help guide you through the process from the procedural steps of the process along with setting the proper expectations of whats next so that you're not only financially approved but helps you through the emotional parts of the process because if you wing the process atleast from the lender end it can be very stressful for borrowers which I learned in my early days of doing this.

I am continuing to work on my policies and procedures.

Looking at a home in my neighborhood and it is REO ,the bank has the note on the property. Do I call the bank and inquire about the terms of this REO ?  Can you get assit from the bank to buy? What terms should I look...

The procedure should be fairly simple.  

If so, is the procedure any different, or is just a mere matter of choice, paperwork and/or price?