Lender takes a loss with dedicating resources to originate that small loan vs higher loan amount -given the high demand for refis, right now.Regarding closing costs, most lenders fixed expenses (fees, 3rd party costs, government fees) will be between $2500-3500 (depending on lender).

Outside of the of the area there are also great pocket areas that center around state government and tourist industry hubs.

They will not sending  w2 as they are not applying for government assistance, and the letter from his company was as a courtesy to tell you, not required as our income exceeds the amount needed by 4x, this can be furnished as well though.

I have Section 8 tenants in Alameda County and Contra Costa County....right across the bridge from San Francisco and when I hear people panicking about rent control and/or not getting rent from their tenants I sleep easy because I know my rental income is guaranteed by the government, and I don't have to worry about my tenants going on a "rent strike".  

Your agent/broker is likely tied to a realtor's association and if he isn't he's still being governed by the Nebraska Real Estate Commission.

Between mortgage forbearance, low interest rates and government stimulus, this economy (housing included) has benefited from artificial stimulus.

But the government came in several years ago and built very nice low income housing units near downtown, but that hasn't seemed to help either.

The US has gone through tremendous turmoil so far this year, with a response to COVID-19 that included unprecedented widespread government-mandated economic shutdowns, followed by a combination of powerful protests, riots, and looting.

I view ownership of physical gold and silver as insurance against a catastrophic failure of government-- Just like a supply of canned foods are insurance against failure of the food supply chain.

It's also super stable from all the government opportunities.