They take up a lot of space and are difficult to fit in a standard file cabinet (since they're legal sized).Is there any reason at all to keep the paper copy of the HUD if you have a pdf copy?

The Realtor code of ethics comes into play if you are a Realtor and join your local chapter etc. and agree to be sanctioned if  a complaint is filed and you are found at fault after a hearing.Just because someone is not a Realtor does not mean they do not have ethics or vice versa.

Achieve your short-term goals that will produce proceeds and resources that will, 2.

I've read what I can find about them and their $300 yearly filing fee, as well as posts from other states, but if anyone has any personal advice about whether they make good sense in Maryland (or general advice, really), I'd appreciate it.Thanks,Mike

Achieve your short-term goals that will produce proceeds and resources that will, 2.

Achieve your short-term goals that will produce proceeds and resources that will, 2.

After the house is repaired you immediately file your refinance paperwork (I'd have it filed before hand, but the appraisal can't be ordered until the repairs are completed). 

Achieve your short-term goals that will produce proceeds and resources that will, 2.

Achieve your short-term goals that will produce proceeds and resources that will, 2.

Achieve your short-term goals that will produce proceeds and resources that will, 2.