I'm doing a few things in my personal finances to clean up a costly divorce I paid for with a second mortgage and credit cards (0% promos).

What it said in that book really made sense to me but at the time I thought there was no way I could do anything about it to start changing my financial life while I was in college so I put it aside amid 22+ credit semesters of college and working part-time jobs, while also always being rehearsal for a play or musical as a theater major.

@John Krasner I found a pretty great credit financing solution.

Only way to reduce this is through local or state credits/deductions

At closing, I received a credit for pro rata estimated property taxes for 2017. 

The first refi will clean up my credit report and raise my fico score enough qualify for the best rates on a rate and term after.

Anyone I should ask for and give you the credit for the referral?

Sometimes I wonder if the seminar guys also own the post card company or get a referral fee from them.

Hey jake, i encourage you to fix your credit and save money before proceeding.

Concentrate on large findings that should result in price reduction or a credit at closing.