If the only reason you are doing it is to have access to MLS, there's other ways to get the information.Brokers have overhead that has to be paid for offices, phone systems, advertising, insurance, management, etc.

This is very common, especially if your agent is with a brokerage with a lot of agents.

I have tried to contact them by email and phone with no response.

The best loan would be a 20-30 yr ARM, 80-85% LTV, with an annual/life increase limit of 2%/6% (I've seen 2%/5% as well, but much less common).

Each has a different skill set, level of education, level of maturity, varied experiences, common sense, drive, motivation and capacity to learn.

That's a pretty simple rule, common sense can usually guide you. :)

Try directly contacting the owners by phone, that's been working better for me over the last 6 months.

I was having all types of trouble with this feature because I was responding from my phone.

I assume in the absence of HOA, you are basically left working out a deal with your neighbors if a common area is in need of maintenance or repair (roof, common walls, deck, porch, fences, driveway, etc.).

The most common drawback to buying an existing home is that it is likely not going to be the exact dream you've imagined