Only difference is homes have a little further to drop in this cycle.3) FTHB currently represent 32% of purchases.

Someone at your bank, who likely never loaned a dime in his life, has decided on the restrictions they think you need to meet to comply with regulations important to him or her.What might be most convincing is a letter from your lending attorney explaining that he’s been representing you in all lending matters for 14 years (or the last x years) to ensure you comply with all state and federal rules and requirements.

What does $20k represent to your initial investment? 

the proper way to solve an appraisal issue as someone who has 500 transactions and represented both sides of a lot of transactions is to get 4 appraisals with 4 banks 

I saved on buyer-side closing costs by representing myself.

Ultimately, however, we did not like the hard sale tactics of the Open Spaces representative.

Learn about the loan products you're trying to market to make sure you're adequately representing your client.A VA loan is assumable by anyone - not just those who qualify for a VA loan through their service.

I would get this out to quote with multiple Independent Agents (they represent multiple carriers) and if you can determine any agents that write a lot of apartments that would help also.The type of info you should gather that will help in the quoting process:1. current coverage. 

I definitely see both sides and we are all adults.If in fact the lady had an agreement with the agent that he/she would be representing her, then he should have said that she could get more on the open market.

I've purchased two properties personally utilizing seller financing and represented at least a handful of buyers acquire properties with private mortgages over the past five years including friends and family members.