You can offer whatever you choose.

Hello BP,I have been interviewing community and regional banks for a first time home mortgage. I found two banks willing to do portfolio loans at 5% down without pmi( without a higher interest rate). How do know which...

3-If they all pan out with your bottom line, do you then choose one?

Remember not everyone has the same perception as you do, it's why some people don't do business with companies that most people consider highly reputable, and some people refuse to do business with anyone but an unscrupulous company.

Then send the rest to an address of his choosing, certified mail.

All you have to do is a refinance and choose a rate such that the lender credit can pay off your private mortgage insurance in one lump sum.

If you asked Kiyosaki to choose between buying a car cash or using leverage and investing the cash I guarantee he would recommend the latter.  

It is not your burden to investigate further, unless you choose to make it your burden.

That is why I choose not do take that option anymore.  

We gutted are second SFR completely choose laminate over granite and black appliance over stainless steel.