Other requirement.As you can see, it is important to follow clear legal criteria and to communicate your rejection or approval of an application in a professional manner.

I've actually communicated with him on several occasions via these posts.

I figured none necessarily, that one could verbally communicate it.

That would be much better but I wasn't sure about using a lender I can't confront or communicate with up front.

The last communication was when they notified me they are changing the terms. 

For me a big factor influencing my decision on who does my contract work is how well they communicate.

All your business is done by phone and electronic communication, so local is not important. 

Sometimes a 2nd mtg holder will release a mortgage, but get the owner to sign a new promissory for some or all of the unpaid balance, which is of course now an unsecured note....but if that's what was for sale here, it would have been originated at the time of the short sale, not 2009.

If nothing was in writing about how pests were handled (and even if there was a clause), perhaps you should stop answering his calls.If you communicate, it should be in writing.

I was only able to communicate via text message with this contractor, because he wouldn't pick up the phone, and basically had to fire him via text and then switch locks on the house.Thanks for any help.