Originally posted by @James Syed: @Kyle Hipp Thank you for explaining.

This website actually explains it a little better, http://www.business.ftc.gov/documents/bus53-brief-financial-privacy-requirements-gramm-leach-bliley-act Specifically this info: Opt-Out Rights"Consumers and customers have the right to opt out of - or say no to - having their information shared with certain third parties.

I would only explain to them how the heat works and let them know for it to heat the unit most efficiently that they should try not to block it as it will increase their costs (provided they're paying for heat).

I believe every loan document will ask the borrower, if you are an American citizen and if you tick on 'no', you'll have to explain and submit a visa (I originally came here on H1B).If your income alone is good enough , then you shouldn't even have to mention your husband.If his H1B expired and he's without status, then it would be pretty difficult to renew.Hopefully, immigration reform will get voted on next year.

@Patrick Snyder your buyer's agent should have explained to you that you would never get your EM back if your bid was accepted and you handed over the cash.

In the e-mail, our mortgage agent explained that the underwriter handling our file - who lives in a cubical in southern Ontario - found this advertisement while performing her diligence on the refinance of the property.

If you feel comfortable, get in front of the camera and explain the salient points of what you've done with the house.

Explain to them that the house needs updating and won't sell for top dollar as is and since noone has the money right now.

@Dion DePaoli Thank you for deeply explaining.

@ChrisLogan Can you explain how a "subject to" works.