I have seen sites like CreditKarma or Credit Cards under-report and over-report consumers scores, so they are not the most accurate.

Also file a complaint with the CFPB Submit a complaint | Consumer Financial Protection Bureau (consumerfinance.gov)Regarding do you have any legal action - you can prove you do not owe it but you will not get any compensation - courts have ruled long ago the only recourse you have is actual money you lost - there is no "pain and suffering" if a statement is incorrect and you have to fight with them on it.

As the consumer, we should be well prepared with your personal info(credit scores, dti, taxes, insurance, etc) to get a baseline estimate.

In this case the consumer over estimates the risk of an hourly model costing more than a traditional commission model.

And neither will Redfin, each will charge what they want as long as a consumer is willing to pay it.

So while I can't claim to speak for every financial institution out there, it's a very broad survey, finding an option not contained there might involve making quite a few phone calls.When I see 30 year fixed, 30 year amortization, 30 year maturity (basically, identical terms to a consumer-friendly kid-gloves home loan), which does in fact pop up if I specifically search for it, it's almost always at a rather high interest rate, and the borrower doesn't opt for it.

Other wise your listing is going to sit and not move and you probably are going to sell for a lot less because you have far fewer people looking at it. ?? 

On another note, you have some fairly restrictive laws regarding private lending, consumer protection (seller financing to an owner occupant) and loan servicing in CA state so make sure you are allowed to do this on your own and understand the licensure requirements to lend, broker loans, and service them as well.

The only way to make housing less expensive is either increase everyone's income (not going to happen), build more housing or allow fewer people in the country (assuming populations are increasing-they are in Canada).I've increased rents, but I have 3 rentals in areas with caps on rent increases and all of them are far below market value because of rent caps and long term tenants. 

Fewer houses being built means higher prices.