Is the applicant over leveraged?

the applicants that we see have no more than 3 or 4k in savings.  

I'm now going on day 4 of ZERO happening with my application at BOA,and I'm 3 weeks in. 

Basically saying you must disclose all debt that has been open between the time your credit was pulled and the time your loan closes. penalities include: "It is illegal for a person to knowingly withhold debt obligation information regarding a credit application to a financialinstitution.

The quality of the documents you prepare for the lenders will also help determine how quickly they process your application.  

I've always had to fill out an application, but never had to do a criminal BG check or whatever else they want.

All fall under the same applicable laws and all require the same basic paperwork.

This entire conversation have nothing to do with commercial or government jobs and everything to do with residential, thus, the advice in this instance is not applicable.

A brokerage contract may be oral, and the law applicable to ordinary contracts governs.

If the walls are not balloon frame and there are not too many cross-blocks, we could try to retain the inner walls and inject insulation, but the more of these we do, the less it seems to save us in the end ... the cost of drywall and mudding versus an effective air sealing and application of insulation.It has also been our experience that while materials are cheaper to air seal using poly & caulking and insulate with mineral wool, the labour required pretty much make it a wash with the cost of closed cell foam.Once we confirm our plans, I'll do a full envelope model on the house and share my results.