BUt for most people it is not practical especially if they are residential houses (not buildings).

When too many people go into foreclosure because of the lax lending practices the banks are pushing down every ones throat, well the tax payer will have to bail them out or the country suffer.The joke is the only reason a house is worth what it is today is because there is a bank to lend the money and an idiot to take the bait.There is so much free land in America it's not funny.

@Heather W.Thanks Heather..that gives me a ballpark figure..also based on what I read, it seems like a good practice to seal gaps if any in the attic first before doing the fiber glass blowing.

Is that a common practice?

I am trying to find a prep course that have practice questions which are VERY similar to the real state exam.

If you have the option of a new relationship with a smaller community bank or credit union you might find them more open.But, on a more practical note, you need to decide if new debt is a burden you want to carry.

I started out working for Deloitte in their Real Estate Practice group at the World Financial Center.

It just so happens that that real estate, while it can be a professional endeavor is also an area where people may engage in the practice of some aspects of real estate without very much of a formal education.

And in some cases the buyer may not be entitled to a copy if they don't pay it.Push comes to shove you'll likely extend the contract anyway for lender's requirements, I've been through that many times when stuff doesn't flow the way it should, so long as it'sat no fault of the buyer.A seller pulling because they got nervous or don't like the way things are going can certainly be a problem.J. you do many things a little differently and not saying there is anything wrong with what you do but you have some unique approaches that work for you but things such as pulling an agreement over a lender is not really common practice so newbies shouldn't take anything away anything from these unique tactics.

Being pet friendly is fine if you go into it with your eyes wide open and do some practical things proactively.