If you believed what typical management at a bank or cu tells you (& what they list in public job descriptions when positions are available), everyone that applies for a mortgage also needs a new car loan and 3 new credit cards.

We were about to accept this couple who said they have one beagle when I checked her public facebook page.  

Is it publicly listed now.

Although, I have had exposure to RE in four distinct ways: from a regulatory perspective during my time with the FDIC, from an underwriting perspective as part of a CRE underwriting team at BofA, from a public markets persepctive in my current role as an investment analyst, and as a homeowner for the past seven years.  

Someone has already done some amount of vetting for him to even be on recruiting duty as the public community-level face of his branch of the service, which is nice for you.

The attorney then has the borrower sign the documents and the attorney records the documents in public record.

and typically "well meaning" is code for "God bless his heart, he's trying to help but he's wrong" - what you mean to say is "my friend who's a professional in the industry and well respected on these forums, but I don't like his answer and I'm hoping like Hell he's wrong, so I'm going to keep asking the general public until I find the one person who says what I want them to say, in order to confirm my hopes

Does it matter if t is a public, private, or magnet school?

You're the first person on these forums who's said this publicly.

Reason: this will keep wife's name out of any public and property records and then later wife can buy 2 homes - 1 primary and 1 vacation home by having her name on mortgage and also including husband funds on mortgage and either have "JUST HER name on title" or have her+ husband name on her next 2 properties.3.