After the draw period, the balance outstanding is calculated over the repayment period, think of it like another mortgage payment (which it pretty much is as a second).Most HELOCs also charge interest only during the draw period, although I would read the fine print because there are some that are not interest only during the draw period. 

I also know that you can upload lists to VistaPrint & they'll print & mail out things like postcards for you. 

(I'm going to say that again: I DO NOT HAVE THE EXACT GUIDELINES MEMORIZED, so get tight with your go-to conventional lender that reads guidelines & can tell you ALL the small print before making any moves).The first lender isn't going to fund until the funds for this other mortgage have made it into escrow (wired directly to escrow, never touching your accounts), and likely it will have to be recorded at the county too.

I am mainly looking for a service that will print (mail merge if I desire) stuff, Stamp and mail so all i need to do is email or upload the mail list.

Fine print he was selling the home not the land with it.

ie=UTF8&location=http%3A%2F%2Fwww.amazon.com%2FAll-Americas-Real-Estate-Handbook%2Fdp%2F0670805106%2F&tag=biggerpockets-20&linkCode=ur2&camp=1789&creative=9325]All America's Real Estate[/URL]' by Janik and Rejnis is 850 pagescovering the foundations of how real estate works.Easy to read and nothing to sell.May be out of print but well worth finding!

We are destroying the dollar with all the wreckless printing of money (from thin air) and unsustainable spending.

Here's the sweet part, in exchange for saving him 2 hours of administrative work, taking notes, printing a report, taking pictures, etc..

Once people see that the only answers bankers have is to print more money and the only answers politicians have is to spend more money.

They race to the bottom because printing money reduces the cost of debt since they know there debts are going to be a real problem to pay any other way...raise taxes or budget cuts are limited there too and things like that are always unpopular too politicians.