What are your closing statements/tricks to close on the applicant who you want to apply?

I too give a disclosure statement.

I thought your avatar was supposed to be some sort of political statement :D

If you're paying cash, they will want bank statements or some other forum of cash.

Paint does not cure a mold problem, it'sstill there.Lease agreements should not contain statements such as that, as a disclosure to inform a tenant of pending risks as if it is common for the area.

Of course both loans have been bought and sold in the 5-1/2 years since, but Wells Fargo who currently owns what should be our first mortgage has a statement on their website stating that if title insurance was purchased at closing errors will be corrected as soon as they are found.I sent them a huge package showing all the details where the errors occurred and information to have the title/deed corrected.

But if they do, they will require you sign a statement that the seller is receiving no benefit.There must be something more going on.

This number, which was usually markedly different from the "net worth" on the personal financial statement, made adjustments such as:* Zeroing out all personal assets such as cars, boats, jewelry, artwork, etc., but leaving in any debt related thereto.* Adjusting the value of any closely-held stock or business entities, which tend to be overstated.* Capitalization of any leases.* Adding in any contingent liabilities, especially if a share of the asset related thereto appears on the balance sheet.It was common to see that someone whose personal financial statement indicated a $5 million net worth would be reduced down to $1 million or less.

I am looking over our financial statements just after submitting our tax returns and our ROE is decreasing each year.

Many banks/agents will not accept flash cash POF letters, they will require a bank statement (but not always).