@Jermaine Riggs   Remember the 6PsPrior Planning Prevents P*ssPoor Performance There are steps that you can be taking today that will better ensure you will be able to qualify for the best of terms on your purchase in TX.1. have a Mortgage Broker run a Tri-Merged MORTGAGE credit report and pay the extra $15 for them to also run the "What If" score increase simulator to know how best to pay down debt in the interim2. start eating MREs and saving like a maniac until you close as the more money you can show in reserves Post-Closing, the better the programs you can qualify for.etc,etc,etc,   

I’m curious if anyone has experience using a line of credit within a JV or other partnership and if so, how have you structured it?

I wasn't paying a loan application fee, credit report fee, loan origination fee or points.

The U.S. subsidiaries of three of the Big-5 Canadian banks (TD, RBC, BMO) will lend to Canadians based upon your credit history and financial resources here at home (with some limitations/restrictions).  

On March 28th a mortgage lender checked my credit.

Most people don't use banks because either the property doesn't qualify for it (i.e. really bad shape) or they themselves don't qualify for it (high DTI, lack of W2, bad credit, etc). 

Hello, I was wondering has anyone had experience with companies that helps you to get Unsecured Business Credit?

That $1000 could either be refunded to us or credited on the next tax bill which we chose to do the credit. about a month later the lawyer who completed our transaction sends us an email saying the sellers lawyer knows that we ended up getting a tax credit and that it is owed to the sellers, and that they would take legal action if we didn't refund it. basically my question is how does this usually work out, are they entitled only to a prorated amount of it, are they even entitled to any of it?

He doesn't know his credit score and hasn't used it for anything in years, didn't ever plan to, he buys cars, pays rent, and everything else in cash. 

Examples of such nondeductible fees are credit report fees, loan origination fees, and appraisal fees.3) which expenses, if any, from the latest refinance in 2012 can be added to the cost basis or amortized?