First thing we tell people is 'we are already working with others' and it is always true.

@Jacob Oser Actually... the exact opposite can be true.  

In the 6-9 range, even though these are commercial from a lending perspective, you are sort of the middle ground of what I consider true commercial owners/investors and mom and pop owners.Sources you can use: LoopNet and MLS.

Please DM me if this holds any interest for you and I can give you the name of the Broker agent who can provide you with his opinion as to whether or not you have VA credits coming to you and if your Credit Union is passing them on to you or if they are keeping the credit a secret and worse yet, keeping the credit for themselves.HI Barry,That is true, we operate as a broker and we have set comp plans with each lender that we can only change once every quarter so if there is excess credit in the market we're obligated to not only disclose it you as a borrower but also give you all of the excess credit.If I was a banker or a correspondent lender and I had excess credit I would not have to disclose to you that I had 4.00 pts of credit behind the rate, of which if you had gone to a broker you may have received 1-2 to points of that money you could use to offset your other closing costs, prepaid taxes/insurance/interest,etc.VA IRRRL or interest rate reduction refinance loans are some of the best because they have a refunded funding fee of only .50% or exempt if you're an exempt Vet.Thanks for pointing out the above as Im sure it will help Paul on his decision process.

If they're overpriced, show them recent comparable sales and ask them how they would feel if they kept their home at its current pricepoint and it sat for another X months.You want to establish trust and you'll do that by being transparent and honest about the TRUE value of their home.Best of luck to you moving forward!

Is it true that SBA loans can get down into the 4% range?

She says she used to have a better credit score and she's going through a divorce now which negatively affected her credit score.I was just wondering if it's true, can divorce have a negative effect on the credit score?

In some cases, especially short term plays, that is true but for a long term play of 10 years plus, it is definitely quantifiable and profitable if you choose the right areas.The real question is, what are your individual goals and needs Rochelle?

—that is probably true, especially since the rival stock investing in this scenario would be had in a taxable account. 

If it's just a few records, just try True People Search and see if you can get the info for free that way.