Prices are a reflection of underlying supply and demand characteristics and systemic constructs.

I know rules are better there but prices tend to reflect that.

While your buyer's agent has a fiduciary responsibility to you, he/she also owes you an obligation of "obedience" (this is not my term, but the term used by NAR to reflect one of the core responsibilities that realtors have towards clients).

True a car dealership pulls a different report but your personal information is still going to reflect good credit if you follow the rules.

Just make sure once the balances are paid in full they reflect on your credit report.

This is also reflected in Freddie saying that they are getting 94% (from memory) of BPO on REO homes.

I am fairly good with spreadsheets but when it comes to mortgages I am a little confused how I would go about building one so that it would reflect everything.

It could happen for lots of reasons and might not reflect on the wholesaler's offerings.I would be more concerned about the offer to the bank.

So this is not meant to be a reflection on Norada or the local provider.

The settlement statement reflects all closing costs and commissions which gives you your net sale.