If you're redoing the kitchen, find a picnic table and hook up a plastic deep sink if there's going to be any delay getting the new kitchen in.  

Do they have the collateral in house, who else has bought from them, what is their reputation in the marketplace. 2.

Prefer actual classroom setting but would be open to an online course if it is from somewhere reputable that is familiar with NYC markets.

Your creative solutions will gain and strengthen your reputation.

This bank is a local bank with a very good reputation in the area. 

But for sure you will find a good professional reputable flat fee broker that you can work with.This is the way to go for people that know what they are doing (it is not for everyone).

. :(  Total bummer.So now I am back a few squares, seeking a reputable person who can get this done for me.I'd prefer to find what some people call a "bedroom engineer," meaning they don't work for a huge company with huge offices and huge bills.  

If your loan originator is willing to do it, you in turn must do your part by never revealing to a soul what interest rate you got and who gave it to you in the same sentence, or it'll hurt your LO's reputation. 

Does the person posting something in the market place have a really good reputation here on BP....or do they have the reputation of a crook?

It has a horrible reputation and high crime/drug rate, but all of Camden can't be bad.