I like the bullet format, you are clear on the pet policy and minimum qualification standards.

If you just started a job, you may not qualify for a loan for quite a long time depending on your college/work/life situation.I suggest completing step 1 (getting prequalified) before spending time an energy on everything else that follows.

Network with high volume agents - sometimes they will hand off listings to you that they don't have the time/energy to list themselves (I do this with a new agent I recently met, I hand off my "headache" listings to her if the seller is ok with it). 

Free advice is worth what you pay for it, but I'd stop expending mental energy caring about what other people do and focus on your goals.

Further, recent advancements in insolation, heating systems, and window materials have greatly improved the energy efficiency of new homes compared to homes built 15 or more years ago.

One thing to note, you mentioned that they charged $80 to replace the washing machine hoses- keep in mind that they are a business and their time and energy has value, just like yours.

Originally posted by @Nicole Candelario:@Warren Currier.....neither of these were from that Craigslist guy, thank goodness  Nicole, Thanks for the great energy you bring to the game, to the pages here!

Digging a little bit deeper I came across two points that I think relate my situation: If the home was bought using money from a home equity line of credit on another house, the money from the cash-out refinance must first be used to pay down the HELOC debt.Gift funds used to buy the house cannot be paid back with the cash-out proceeds.The second bullet point is interesting seeing as the funds from my brother would be classified as a gift, no? 

Been practicing being more “selfish” with where in allocating my time and energy lately...Anybody else feel this way at times or is it just me?

Anything you want clearly pointed out-- put it here, 1 page, very clear bullet points.