We once bought the Leak Frogs, but they look like a toy (plastic green frog) and children move them.

Yes, the loan is 30 yr, fixed, so just crossing fingers that offer is submitted!

I am extremely new to the business and very green.

Hey @Kimberly Gillock These are the things normally included in closing costs: A fee for running your credit report.A loan origination fee, which lenders charge for processing the loan paperwork for you.Attorney’s fees.Charges for any inspection required or requested by the lender or you.Discount points, which are fees you pay in exchange for a lower interest rate.Appraisal fee.Survey fee, which covers the cost of verifying property lines.Title insurance, which protects the lender in case the title isn’t clean.Title search fees, which pay for a background check on the title to make sure there aren't things such as unpaid mortgages or tax liens on the property.Escrow deposit, which may pay for a couple months' property taxes and private mortgage insurance.Pest inspection fee.Recording fee, which is paid to a city or county in exchange for recording the new land records.Underwriting fee, which covers the cost of evaluating a mortgage loan application.I crossed out the items which you shouldn't have to pay for if you are doing straight seller financing.  

As a matter of fact, Rick, we might have crossed paths in Bill's meetings @ the old church site. 

This crosses all industries, setting guidance based on services performed being in like type, quality, area of expertise, of service providers having education, knowledge, experience and skills that are expected at any price point. 

@Rahdia Green Can you borrow a friend or family members car?  

I haven't heard but would be interested what strategies maybe used to target more defined areas like a street or cross street.

@Jon Holdman  Actually, it's green

It hasn't been easy to find a lender willing to work with me, but I think I've found one (fingers crossed they follow through).