I have not used a bump key myself (they are illegal in some states without the proper locksmithing permits/licenses).

That is the proper way to do it, but I don't go that far.

IF it is asked for properly I guarantee you they will be either fixed OR credited to you.

Just make sure they're prepped properly.

Say the existing loan balance is $125K.

I grew up there as a child before moving to Canton.120,000 should get you a decent starter home in Woodstock.You can find one that used to be in the 180k to 200k range at the peak back in 2008 for 120k now.When looking if you are not happy at 120,000 in what you find bump up to 140,000 or so and you can negotiate down to your 120 range.You don't need to pay off your credit card balances just get them below 33% of available credit limit and it will boost your score.I know doctors that open up practices and have to pay off very expensive equipment over time but didn't know the schooling was so expensive.

If you have a mortgage, they can and will go after you for the balance and you will be subject to the foreclosure on your credit report.

They don't have a Blackberry app (not too sure who would really invest in creating one nowadays), but they have an iPhone app in progress according their their feature request forum.It has an integrated general ledger among other things (balance sheet, income statement, etc.) , can track/assign tasks/work orders, allow tenants pay rent, you can pay vendors and property owners, etc.

Cash offer = $115,000She won't disclose the balance on the mortgage because she said "no one else is asking for it" and her husband doesn't think it's necessary.

In theory there is an optimal leverage ratio that balances the cost of debt with the returns that can be generated with the debt.