If everyone in America who saw a car commercial on television called to let Honda know they don't want to buy a car, they'd have to hire a few more customer service reps.

I'm sure you can browse expired listings and find motivated sellers, but we do this in parallel with a full time job, so there's no time to make cold calls and create custom mail lists.  

During this time period we also began building custom spec houses as an entry into the higher end market.

PMI would absolutely be included but if it saves the customer 5% on a down payment of a home that is undervalued do to work needed to be done I think that's great.The customer does have 10% of her own funds and I'm not familiar enough with commercial loans to comment but I know you're on top of things so I would trust your judgment.In conclusion my institution has no overlays so when I quote guides it's directly from Fannie, Freddie, FHA, USDA or VA unless it's my portfolio division.

Typically there is pre-printed contracts and addendums used and then an attorney handles the closing with title only doing the title search.Attorneys are used in more complex transactions however that require a bunch of custom language.

The person I deal with is very nice, but she says the underwriters just don't feel timely customer service is in their job description.

Ideally we find a template, and then I can customize it.

Anything over $200 in time and/or materials, an estimate is written and provided to customer for approval.

Even though he was outside smoking when you pulled up and asked the last ten customers about the weather.

Just go down and pinpoint all the relevant facts you actually know or can actually estimate in your life right now.