It can vary quite a bit as there are also some mortgage brokers that offer credits at closing (to cover some of the closing costs) at the expense of a slightly higher interest rate (i.e. 4.5% rather than 4.25%). 

Couple more details and we i'm sure someone on here can help outDown payment is typical 20% to 25% and depending on income docs your rates can vary.  5% to 10%. 

For more info on which neighborhoods fall into which category take a look at The Ultimate Guide to Grading Birmingham Alabama Neighborhoods.

It varies by individual circumstances and personal preferences.

The length of the interest-only period varies from mortgage to mortgage, but can last anywhere from a few months to many years.

The point is they are not some weird breed which brains vary drastically on location,It absolutely does not matter if they live in CT, MA, NY, CA pick a few more.Leads are leads.They need to sell their house because [pick any reason you want]. 

@Goran Kocev The exact law will vary by state or even county or city.

I'd love to go with a local credit union/bank, but it's a tough loan category to find a willing lender.

Networking is a very broad category....could mean anything from REI meetings to distributing business cards to addressing a luncheon of Probate lawyers (and many many more). 

Hudson River towns vary, but the region as a whole is depressed.