This is my first home and I'm really just sitting around grinning from ear to ear as it was only a few months ago that I had myself convinced I'd never be able to afford my own home.The whole process almost seemed too easy and to tell ya the truth, I left a ton of money on the table, yet still came in ahead.

The “regular jobs” have always made getting financing easy but the sub-prime meltdown has changed all that.

Have you ever had to use them, and if so did it get messy, or go easy?

You'll have to convince them the owner can't pay, and won't ever be able to pay, and that by dragging out the process, they're just going to blow more money.Nobody said this was easy.

It is easy to make excuses so you don't have to take action.

Welcome aboard rman;You questions are a bit overly broad because it's not as easy as "a $25K vs. a $75K".

If it is YOUR toilet that is overflowing, it will be easy to prove you are the one clogging it.

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It used to be real easy when I was younger, but each year it gets harder and harder.

OK, lets all take it a little easy.