You may hear folks also say the phrase “no landing,” referring to the Federal Reserve being able to avoid a recession but inflation remains.

To reiterate above, the variable rate is not the issue, it's the attempt at new terms with punishment attached if not accepted.FWIW, if I recall correctly from 5 years ago, my loan officer casually mentioned that the loan will be "in-house" which I understood him to mean is not a federally backed loan and they are lending directly, but I didn't ask for clarification.Maybe my loan address was included by mistake for this mailing because of that categorization, but still, gahh.

That credit policy manual is approved by the board of directors, Federal, and State Regulators.

And don't forget, you currently can get 5.25% interest with lending money to the federal government.

Just a quick ask on ChatGPT:Depositing mail into people's mailboxes without a stamp is a violation of federal law in the United States.

If you made $750,000 in pay working a regular W2 job, your federal tax bite would be $241,575, or about 32%.

Be careful with mold assessors, some state have no regulation at all for this profession and it is not federal controlled.You might need 2 samples, one in the room with issues if any, another in a different room with no issues and one outside. 

There's a lot of movement by a handful of Federal regulating bodies that are pushing to provide honesty and transparency up front for consumers.

What happens here is that transactions between the "businesses" are disregarded for federal income tax purposes. 

Probably not if it is an OO real estate...you still have to qualify the loan to be federally compliant.