I know Miami-Dade like the back of my hand - feel free to message me and we can discuss more via PM, email, or phone. 

This is after numerous emails, and texts to him that have gone unanswered.

There's definitely a lot of jitters calling new banks and having to send random people all your information, SS#, mortgage statements etc.

Email or message me if you want to setup a conversation regarding various asset classes and vetting sponsors/deals.    

@Vanessa Hernandez anyone on BiggerPockets who puts out a blanket statement that NJ taxes are high in my opinion are not looking at the overall picture of what NJ income properties can bring to the table. 

Most are set up to help you virtually and will use secure document transfer and electronic communication via email, Skyle, etc to communicate with you.

Sherelle – thanks ..there are several versions of the 3 % conventional program…there is one that requires income being below county income limits ( see link below ) and there are also programs that do not have the income limitationThe income limit look up is here - https://homeready-eligibility.fanniemae.com/homeready/Pre-approval is open ended with no expiration date ..we can update data in your file as needed ….credit report does need to be rerun every 4 months …Data needs for pre approval is faitly easy and straightforward ..see checklist 2 most recent bank account statements 2017 2018 W2s 2 most recent paystubs 2016 2017 tax returns ( 2018 when available )Copies of driver licenses Completed loan application and signed initial loan forms I have emailed you the same information too .

I'm currently at Bryn Mawr Trust and it takes 3 emails and a follow-up call to get someone to reply, usually a day or two later. 

I would suggest a good SOW (Statement of Work) and some form of agreement if you want to get formal that outlines your expectations, like when the contractor can expect to be paid, project timeline to complete specified work. 

We should however, exchange emails.