All of which I would have been happy to answer and begin a dialogue on the deal itself if you were interested in doing so.Disrespect isn't something I relate to much in online forums.  

I'm also working on my bachelor's degree in Real Estate Studies through Marylhurst University's online program.

You could also find a free sample online and modify it.

The Final Rule does not apply to home-equity lines of credit, reverse mortgage loans, mortgage loans secured by a mobile home or by a dwelling not attached to real property, such as land, or to creditors that write five or fewer mortgages a year.

@Karlyn,It is unfortunate that one person can have an imperfect experience with something or someone; write about it online (i.e. ripoffreport.com), and it becomes gospel.

Fair enough, that's understandable, although I do see differing opinions (from searching around online) on this with some contractors being transparent about their markup and costs while others just providing a lump sum number.

Right now I am working like a dog to build capital and doing classes online at night so I am really pressed for time so if I message you it will be easier for me right now, but I would love to meet up at some point.

In NY you need to take a RE Salesperson course which is 75 hours after that is complete you take the license exam how ever you need a broker to hold your license.You can do courses online normally 200-400 but you can search groupon more often than not you can get the course for 90-150.Good Luck

If you don't have one, you must seek free online classified websites.

He passed away several years ago, but his books could still be purchased online.