@Lamar Cannon I have had the most success with the list above actually but also to include delinquent taxes.I conveniently hit the perfect storm earlier this week.

I was also able to integrate it into my Outlook navigation bar so I can pull it up within Outlook.

I like to brand myself so maintaining my own website is critical but using rei tools that integrate well with my site is quite useful.

Originally posted by Bill Gulley: I believe BoA requires the pre-qual, not getting the financing from them.I certainly agree that requiring a buyer to use a particular lender is a bad idea (regardless of whether it's legal or illegal) -- you'll lose a lot of perfectly good buyers this way.We never require a buyer to use a particular lender and in-fact, we won't even require a buyer to pre-qualify with our lender, but we are more likely to accept an offer if the buyer at least agrees to pre-qualify and will offer very nice incentives for buyers to use our lender.For example, if a buyer refuses to pre-qualify with our lender, we'll write in the contract that we have the right to contact their lender, question their lender, and if we're not comfortable that the lender can get the deal done (whatever criteria we choose), we can back out of the deal.

They checked out perfect and I changed my mind (policy?)

Thank you Jon, this was the perfect answer to clear my head a bit on what is taking place.

I came across a little excerpt that I thought is perfect for all of us newbies that get into real estate investing and wanting to give up. 

The loan process is a very commitment driven process, meaning both parties need to always be on the same page in order to protect the success and integrity of the closing.

This is the perfect place to learn more about REI.

Account Closed  Just read it back to yourself from another point of view:You plan to find a nearly perfect house in a great neighborhood that is selling far below market value but needs barely any work.