Thanks for the info, It seems to me that every time you THINK you have your mind around this someone throws another wrench into the mix. what is the best one stop source or questionaire that someone can easlily use? I emphasize EASILY because as you mention there are lots of unscrupulous predators out there WHO can you trust? how do you find a reputable broker/lender if you have disparate bits of information to work off of? I think it would be worth while effort to put these things in writing with specific examples of good and bad brokers, again a clear and concise form for us sheep to use.
NSR thanks for the link it looks intresting — just few more hours worth of reading thanks!!!