One of Ramsey's largest creditors was sold to a larger bank, which began to take a harder look at Ramsey's borrowing habits.

No harm there, but slow way down. 

From there, you could ask them what price ranges they typically see for Single Family Homes (habitable or non-habitable depending on your preference).

Omar,if your brother owes more than the house is worth on the marketplace,you need to negotiate a short sale with the bank.After two long years,they are probably willing to listen to a short sale proposal.Your brothers credit is probably already destroyed so it's not gonna hurt him anymore than the pain he has already self inflicted on himself.If he refuses to deal with the bank himself,you need him put you on the title or give you power of attorney to handle the transaction yourself (whichever doesn't harm your personal credit).It honestly might be easier just to let the bank take it now and be done with it.Neither you nor he will get a penny of profit at this point.

Until it becomes a habit, you will have to force yourself to keep useful records. 

I'm trying to make it a habit to browse random forums everyday, rather than my random news sites so I can learn more.So I have some newbie questions and hope to get some direction.

IMO:You really shouldn't look at the FICO score at all unless you're relatively good at understanding what goes into it.If I can tell a dude to put things on his debit card instead of his credit card (that he pays off in full each month when the bill comes), and bump his score 37 points in 30 days, with no other changes to his financial life (note that I didn't even change his spending habits, just which card he swipes... told him he could have the rewards points, or good credit, but not both), that tells us that the FICO scoring algorithm wasn't accurately capturing his creditworthiness to begin with.If he's got a 732 one month after talking to me, and literally the only thing that changed was which card he swipes, he should have had a 732 a month ago in a fair world.

Originally posted by @Jay Hinrichs: And yes Canadians Pay their mortgages at a rate that is to be commended Jay:That was once a bankable statement, but it looks like {the national} we may be unlearning that habit.

She apparently did not realize that too much weight could harm the machine.The washer and dryer are both 15-20 years old.

It sounds like I need to make it my new habit to ask the existing financing question when I am talking to sellers.