Includes internet and Direct TV, both of which I want to discontinue (internet I am on the fence, but no way on Direct TV...I don't want that service transferred to my name nor pay for setup). 3.

Start with the chase and compare around 4-8 banks, credit unions, and mortgage companies Schedule an appointment with a loan officer.

Be prepared to wait for months to get an appointment!

You keep praising this lender because he/she doesn't factor DTI, but the internet is full of those lenders.

She called the seller's realtor at 9:15PM and we made an appointment for the next day to go see it.

Morrison,Thank you for the kind offer to loan me such a substantial sum of money.With Treasuries in the 2 to 4% range, I’m honored you would trust me, a barely experienced stranger you found anonymously on the internet, with your money at just over the same rate.

Your next step is to find a mortgage lender - local, not internet, and not Navy Fed - ask any local agent why, and an agent. 

I made dozens of phone calls, spent probably 100 hours scouring the internet and vetting deals, and flew down to Houston to check out properties.

I shared an article (printed out, because she doesn't have internet) written by an expert arachnologist at University of Wyoming that says this is a common - but false - claim.

On top of that, our education system seldom offers personal finance courses to young students, which will enable people to take advice from gurus or the internet and question whether or not it makes sense for them in their particular situation.