It's psychological; this atmosphere is great because all they see is what need to be fixed.Over the phone is ok, normally give them a range you can pay for the house.

This is also when the atmosphere is typically warmer as well.  

Rescission is where, even 2.5 years after the loan is made, the borrower simply pays back the principal only and all interest, points and other finance charges are refunded to borrower.There are conditions to rescind, ( whew, spelled that right) so you have to look those up, and there are other penalties too, for failing to provide the TILA disclosures.One interesting thing in the HUGE world of borrower litigation, many borrowers do not raise TILA claims as much any more, due to the fact they prefer to stay in State Courts (TILA being Federal) where the atmosphere may be more friendly to anti-lender litigation.

Originally posted by Tim Wieneke: Seeing as 72% of greenhouse gas is water vapor and 80% of the earth's surface is water, I see how this plan is completely conceivable and logical, rather than some cooked up piece of bullsh-- legislation intended to pay off friends for political favors.Unfortunately, the fact that the average person is illiterate with respect to basic science makes this an even more difficult problem to solve...even disregarding the politics...Basic science lesson...The goal isn't to drastically reduce the amount of greenhouse gas in the atmosphere (if we wanted to do that, we'd have to get rid of the clouds first, as they are the major greenhouse culprit)...in fact, we need most of the greenhouse gas in the atmosphere to survive (it's one of the major differentiators of our planet).The actual goal is to reduce the amount of greenhouse gas in the atmosphere by a small percentage of the total.By reducing just a small percentage the greenhouse gas in the atmosphere, we can (in theory) reduce man-made/precipitated global warming.And, the way to reduce greenhouse gases by a small percentage is to reduce the man-made emissions via manufacturing by a large percentage.Once you understand the science, you realize that -- from a scientific standpoint -- it's quite conceivable.

I love the atmosphere, personally.

In many municipalities multiple permits are required due to the possibility of releasing asbestos fibers and/or excessive dust into the atmosphere.

Hi John and everyone;Christian and I just reciently moved to Millbrook Alabama It to has the small town atmosphere that we like.

I have attended a couple of REIA meetings trying to feel comfortable and gain confidence in the real estate networking atmosphere.  

The end result will still be that 30 - 50% of your heat is quickly going into the atmosphere regardless of how you generate it.If the building envelope is well insulated with a properly installed and effective vapour barrier, more of your heat will remain in the building for a longer period of time.  

Friendly atmosphere and we'd be happy to answer your questions.