Check out the "Learn" tab up top along the blue border.

I live in a bordering city of Oakley.

You will know where to go and what to do when you get to the next cross road. 

And then here we are crossing paths on BP.

Was there cross collateralization on the loan which will affect the primary residence?

Imagine climbing a mountain to get to the top where the views are beautiful and the air is clear and fresh...but you have to go through a ton of mud...difficult rock walls...crossing cold streams...maybe a scrape or two along the way.

I wouldn't agree with Bill S. on a cross-slope at quite 1 in 10, however.  

I cross checked his application and even went the extra mile with a web based search to confirm the addresses he mentioned along with any unmentioned.

As a matter of fact, search the site for all "Ultimate Guide" to see a number of great blog posts detailing the ins and outs of specific REI related topics.I look forward to crossing paths here on the site and also maybe meeting up somewhere in South Florida to chat real estate.  

Technically you could really just use your own format, offer price, time to close, etc, handwritten or typed up in Word and that could be accepted as an official contract, but the standard as-is is the easiest way to make sure all i's are dottted and t's are crossed.