My company does the following:• Free and simple MLO Licensing (22 hours online or in person and you choose your schedule)• Mortgage team to handle the backend (meaning, no structuring, underwriting or processing loans) • Competitive mortgage rates backed a company with 20+ years in the business• Downline revenue stream on the lending side (similar to EXP model.)• They do not have to change brokeragesIn my mind, there aren't many cons to this.

Just note, come with a lot of free time and a check book because each time Philadelphia transfers you from one department to the next, you have to restart your wait time and crack another check, if you catch my drift.The zoning department reviewed my change on an application I just filled out at the Municipal building and they changed the zoning right then and there.  

Hi,I keep looking at current interest rates and property sales.

Regardless, there needs to be a real estate transaction where there is a seller and a buyer, where the seller issues a warranty deed that guarantees that the purchase and the sale contain a valid transfer of ownership with no unknown encumbrances or other issues.No, you can't go back in time and obtain or issue a warranty deed with your dad.

Also, if I compare different lenders, if we just compare rate, for the same rate, less point is better, right?

And are you seeing major weather events impacting occupancy rates? 

What are the concessions currently being offered by builders and the possibilities for rate buydowns in the current market?

The consideration in contract law (as I understand it) is the actual money offered in exchange for the property, and that consideration is not due until the property can be transferred to you - or your ultimate buyer (at closing).  

I am looking to create a system which will allow me to analyze and choose markets more efficiently.I want to have a pool of resources/websites that I follow step by step so for example, 1: Check the housing prices, 2: Check the population, 3: Unemployment rate, etc... and then I will pull this data from the websites that provide it and keep going down the checklist.