FHA Pros:-Friendly to lower credit scores (580-680)-Can buy multi-family with the same 3.5% down payment-DTI up to 55% (vs 45-50% for conventional) FHA Cons:-More difficult property/appraisal requirements-Frowned upon by agents, so the offer is weaker compared to conventional-LOTS of additional back-end stuff that makes a lenders job more difficult -If you're in a community property state, you have to include spousal debts even if they're not on the loan-Permanent mortgage insurance (but if you put 10% down, it'll go away after 11 years) -Fixed mortgage insurance (0.85%).

It was an out of state closing, when I arrived to close, my attorney still don't have the approval.

Example if you start using your line of credit for personal stuff they'll only deduct a percentage of that line of credit.3.

We'd negotiate for increased insurance costs and stuff  but I'd be open to it for sure.  

Crazy stuff!

that is, how long will it take you to break even in interest savings vs the cost of the refi (make sure you compare with actual costs and don't include the prepay/escrow stuff). 

It is a tough market these days, but you can still find good stuff

Some people arrive without knowing how to use sit-down toilets, even, or else being offended by them, so they squat on top of the toilets, anyway, and that doesn't end well. 

Grass lawns will be a thing of the past already happening in Vegas  buy stock in a company that makes artificial turf they are going to have a field day in the coming years.. that stuff has been massively upgraded.. we even used it on the South side of Chicago recently its darn near Hood proof as well. 

But you can't just remove their stuff.