As much as you can, make your knee-jerk reaction "I'll go find that info" and then, once you hit walls you can't answer with a simple google search, ask :) I've been improved by this community more than I can express, and I'm thankful for the opportunity to help others along the way! 

A few simple decisions were allowed to be made by staff. 

I like to keep things very simple.

Thank you First ignore the equity filter as it’s usually not accurate.Second just keep it simple.

Are there any quick, simple and free softwares out there to develop general basic floor plans?   

Yes, it is important to follow a very simple rule: before wiring money, call the person on the phone and verify the instructions came from them.

It is simple logic that tells you these “high” call volume LG companies or cold callers are wasting their time and your hard-earned money.

I know this sounds simple and basic - and that you may want to go it alone, doing it once with a good agent will accelerate your knowledge.

For example, Wells Fargo has relationship discount where for every $250k asset you move to WF bank account, you get your rate reduced by 0.125%.You might just save yourself $10k but just a simple askExtra Tip 2: Credit Hard PullMany people are worried about hurting the credit scores by having too many lenders hard pull your credits.

Ask her to add you to the deed and then do a simple cash out refinance and take her off in 6 months when the title seasons.