I would think no, and that a refund is owed but I also am not specific to the market. 

When you use a Bigger bank we do not have overlays for the majority of programs because Banks fund and hold their own paper.

Study the market.

Hey all, this post is for anyone with some open weekdays who is also looking for better/updated photography for their short term rental (also some bonus tips on partner cross-marketing).Partner with influencers (find them on FB and Instagram or I can help you find a few) by offering them a stay during the quieter mid-week time in exchange for professional content and posts from them.

Anyone with insight on the market willing to connect?

I am familiar with a couple of CRM options that incorporate sales and marketing.

Since you are both finishing programs, I would schedule the next year to be all learning, not trying to buy.

When MLS was created in most areas across the country, NAR became a virtual monopoly in residential real estate sales controlling 89% of the market.  

You need to combine it with a consistent marketing campaign to make the most of these contacts.

The lower the class, the more reason to stick to your requirements (which should match the market).