(A popular misconception as well)  Most RMLO's do not have any underwriting experience.  

Immediately after asking the question I saw how popular it is on the site and started reading.

The State and National test are challenging.

They constantly send be offers for bonds anywhere from 3.5-5% mist are triple tax free some are corporate not tax freeHi Frank --  The challenge with bonds as an investment, is you're locked into a fixed rate of return that usually does not keep up with the real rate of inflation,  and does not adjust for inflation each year.  

.- Biggest struggles and learnings: Financing is always a challenge,  Learning: never give up.  

Therefore when an appraisal comes in too low he has no problem challenging it.Good luck

My thinking is to update the kitchens with tile, nicer cabinets (stock so they don't break the bank), and add dishwashers (popular in our market) - but keep the other appliances until they stop functioning.

What challenges are you anticipating on Oct 3 this year when TRID is supposed to be implemented? 

Not all gurus are bad, but I'd say those who are most popular are on the dark side.Why?

Now, are these areas challenging?