You’re going to need to put in some work to research markets that meet your goals and then find quality professionals to work with in those markets.

She may be shocked at its tone, because up to this point we have been very friendly, the letter is rather cold, but I need to protect myself.Thanks in a advance!

Eliminated PMI and reduced our payment by almost $500.The house today, conservatively I think we can get about $400k out of it..We have a growing family...we both see another baby in our future in the next 2-3 years and we're going to need more space.

If you want to buy off MLS, you'll need to pay market rates and just hold long-term for appreciation.If you want something where you can buy it at an advantageous price, you're going to need to:Find a good wholesaler (not one of the two "NW" companies - in your area, try stevenbuyshomes .com - he's very good), or Learn to buy properties at the monthly trustee auction (check out Roddy Foreclosure Listings and their online webinars and monthly educational seminars) orLook into other areas.

This was someone that did not appear to need the money but he was so happy about winning.  

Try and keep it professional and - as hard as it can be, try not to, "read tone" in a text/email.

You're going to need some advice from an attorney before you do anything in this situation.

You are going to need a regular mortgage anyway unless they are willing to hold the note for the remaining $170k (less your down payment).

They seem to need to many moving parts plus their mobile apps are not that great.

It makes a conventional loan process look like a no doc loan from 10 years ago......If these lenders were to give you the laundry list of documents you're going to need to get to closing and tell you everything you'll have to do BEFORE you put down your deposit, they'd never do any business.The rep actually told me that getting thru the term sheet offer was the most difficult part in terms of the paperwork.