At $30k loan, we can rotate them using 3% balance transfer with 0% interest for 12-18 months from credit cards to credit cards forever.

It's just an application form that you fill out on the state's website and give them your credit card # to pay for it.  

We accepted the offer at 235k because the one who came in low initially and raised super high already showed their cards, and we assume their intention is to drop the price on us later... this only ties up the property longer and makes people wonder why it went pending then active again (they question the quality of the home at that point and opinion of value goes down)

Greetings from NJ, The only time I "formally" disclose that I am an agent is when I am buying and selling a property as our state contracts require that we do.

Greetings Josh,Curious?

I filed bankruptcy in 2011, let the house, car and credit cards go away. 

I used my low APR Frequent Flyer Miles credit card, got some miles out of the deal and paid one months interest on carrying the $22K.For  Superstorm Sandy it was a little different because the insurance money was coming from National Flood Insurance Program / FEMA.  

Greetings from Seattle!!

I found a bank that is interested helping me, but they say I need a silent partner and all it takes is a person with a credit card with a $6000.00 credit limit.

So you can eliminate any third party management software.Free software is good, but would you trust that company with all your data, hmmmm let us see, purchase price; account numbers of bank, credit card, loan; bank balances; where you are spending money and how much?