The other lender (guy I've known for years) met with us and we were in and out of his office in less than an hour with a hard copy pre-approval letter. 3)  I think it is important to build a circle of people who we know well,  who work efficiently, and who we trust. 

Is social services involved with him? 

Have you considered approaching some personal lenders, someone in your circle with some liquid cash that would be willing to front you the money.

As with social media, or any other type of marketing you need to understand VRIN scores:V stands for value.R stands for rarity or how rare it is.I stands for inimitable andN stands for non-substitutable.Value means you are giving your followers what they are interested in.

I do not know my tax liabilities, but we are on social security with yearly income of approximately $36,000.

Keep my social media updated with interesting articles.5.

Website creation is pretty simple if you have an eye for design.Everyone is going to be looking for your website on your business cards, on your online presences, social media platforms, etc.

Implementing unique design cues and/or a small solar system could do just that (especially in areas where consumers are more conscious of social/environment/green issues).

Its perhaps the most important thing agents should be doing right now, but so many are clueless. its coming full circle Russell..

Not judging, just acknowledging that it happened, and others followed it and essentially made it socially acceptable to do dress like this.