I also used some online tools: Narrpr.com; trend mls to determine the arv, and local rents.

I got the numbers from some research online but it certainly wouldn't hurt to up the estimate to be safe.

It doesn't come on much anyway as we heat mostly with a pellet insert.From a practical standpoint, it's one less thing you have to worry about freezing up during an extended power outage.

I'd say the banker is pulling your leg a bit, as the secondary market is practically a limited risk with quality originations, there aren't any specific program changes dictated by Dodd Frank but there are other things going on that make things tighter for lenders in compliance, underwriting, reserves and management.As to Fannie and Freddie, 95% LTV won't go away but underwriting may be tougher.

Hello BP,My name is James, I live in San Antonio, Tx and I am very happy to find this online community.

Unlike other forms of currency, they only exist online and in the form of encoded computer files.

There are many ways to market and network your services online and off.

I personally have never used a mailer and just do online marketing with my website because SEO is my specialty (and its free besides purchase of domain/hosting).Also last word is don't get discouraged if this is really what you want to do.

Yes, I did the online classroom.

The type of Fraud are identified in the FNMA Selling Guide(1), page 134, which include:...misrepresentation of occupancyOn page 1167, Verification of Owner-Occupancy, does indeed spell out post-closing review guidelines.As a practical matter, Fannie Mae form 3034 (Uniform deed of Trust) requires the occupancy of the property as borrowers principal residence for "at least one year after date of occupancy."