They have a once a month class too and I have attended, you would be surprised at the things you think you are doing correctly but actually break the law.

Monday - emergency inspection (3rd in total)13.

Although some people say that they don't know a single instance where this has actually happened, if banks tomorrow decide to call some of the older notes when interest rates do rise (and they are already rising), I won't be surprised.

I'm from Haywood Co,. which I'm surprised to see jump into Tier 3 this year, and perhaps more surprised to see that my wife's Guilford Co. friends and family are now living in a Tier 2 county.

How often does the unexplained item, inconsistency or suspect reference result in a "nice surprise". 

This takes the guess work out for the borrower and for the bank so there are no surprises once the property is completed as well as cuts down on costs for the borrower since there is only one closing.

We've been spending a lot of time focusing our attention on Texas the past few months and feel like there are still great buys in a steady, emerging market.

I definitely don't want to come across as expecting a discount, I guess I was just surprised that the same purchases I would have been making before with my personal card suddenly don't get a discount when I switch my payment method.

Remember these numbers are just guidelines and points to consider so you minimize surprise expenses.  

Get your personal finances in order first , then build some bankroll for emergencies .