You might pay a little more in origination fees, but the main advantage of mortgage brokers is that they have access to multiple loan programs.I could connect you with one if you don't know any, but chances are you probably do as mortgage brokers these days are like real estate agents - everyone already either is one, or knows one :)

Thank you Sean, do you have their phone numbers or emails by any chance?

Its just that chances are it will flood again someday.

@Rodney BartruffBy some chance to you live in Stuart, FL and do flooring?

There is a good chance you won't get 75% LTV.

Generally, tax professionals advise if you hold that long, your chances of qualifying as long term are good.

If it appears to be well maintained then there is a good chance the board has been diligent with the HOA funds.

Mixed feelings, since many people own properties, dont want them to go down on price, but deep inside want to buy cheap, i think its a 50 50 chance, that either one happens , i want to hear predictions from wizards.

If there are no pipes running in the attic, chances are that the leak is coming from the roof.

@Anthony Thompson thank you Anthony.Any chance you can save me some energy and just refer me to one you've worked with?