My wife and I relocated to Norman, OK from Los Angeles in the past year to be closer to my family.  

Rent the movie 'Swingers' and you'll see a great example of bad phone practices.

@David Begley   I hear what your saying however in a practical sense and only from my personal perspective of being a HML... ( I had a 30 million plus book of business with our own cash and bank facilities we loaned from)...

E-LOAN in practice doesnt, in most cases finance mortgages under 100,000 because they make little money, plus its difficult to resell the loan to another company.

Some of the areas of Real Estate I specialize in include: Relocation, Home Investments, Property Marketing, First Time Home Buying, Mortgages and the like.

Also, when applying for a loan, the standard practice for banks is to take 70% of your rent for income.

With a glut of inventory already on the market in most areas; the subprime fiasco causing lending practices to tighten (thereby shutting a lot of potential buyers out of the market); a looming avalanche of foreclosures; and a pending recession; who are you going to flip to?

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I just relocated to the Houston area and I am in search of hard money lenders as well.

I currently live in Florida and am looking to relocate to an area where I can do more investing in property.