I agree with the realtor professionals that have answered you so far. I want you to be aware of our conventional loan program that allows you to build in any repair or remodel costs into your 30 year fixed loan. I would also like you to be aware of our pre-approval process & how it will give you the advantage in a multiple offer situation. Buyers that go through our full approval process have a competitive edge when submitting an offer with multiple offers on the table. The human underwritten borrower has a loan commitment before a property has been found contingent upon the appraisal & clear title work. This allows us the ability in most cases to close within 7 business days of a full loan submission. The human underwriting turn time in most circumstances is 6 hours after full loan submission.