That took extra coats to cover.

That difference will get you out of PMI quicker so pay the extra, then hold the loan; at 2.375%, that's free money.I see no reason why not to go with Rocket, your local lender is going to sell that loan on the secondary market anyway. 

It's getting to the point now where staying in a hotel is much cheaper because of the extra fees.

If your cat applicant has a good Landlord reference after living with them for a year at the last place, that demonstrates a reduced risk.After you approve someone's pets, you still should reduce your risk by charging extra for them.

Hi Brooke,Like this:Ring ring ring, goes the cellular phone; "Hi Bob (current GOOD at a trade contractor you know), I need somebody to run an extra electrical line from the box to the kitchen do you know anyone who does small jobs like that and is good that might be able to come out Friday?" 

You’ll have at least an extra $15-$20k after paying them $15k in commissions. 

I also understand mortgage pay down and appreciation are extra, significant, bonuses but I really don't want to bank on appreciation.

The end result was a reasonable list of extra items with 50% of their cost being about equal to what we sought the price reduction to be.

They usually don’t charge any extra as long as they are doing the closing of the sale Good luck. 

I like crawl space houses here for that reason unless I'm living in it and want the extra tornado protection.Regarding the wiring comment, yes you can just run the grounds together because they go to the same place ultimately but there aren't enough outlets and the wiring is fiberglass insulated and by now has crumbled away in this climate.