This is not an answer to the question. But a warning to any thinking of 1st.Mariner. They are a horrible company! Our guy,I wouldn't waste your time, I put in 100% in every case. I mean in the begining he was talking to us while changing the baby's diaper, in the middle he was too busy feeding his baby to fill any of our questions. They strung us along for 5 months and in the end refused us and we lost our dream home. The reason was because of the way some dumb dumb filled out a paper. And after making us jump through every hoop they had week after week. Making my husband miss work(for their hoops jumping) and then complain about the lack of a full pay check.We would ask, is there anything that we might need, anything else ya'll might even think would help? Trying to stay on top of the storm that insued from the payroll letter, that lovly woman only slightly reframed. They'd tell us no, then the next day, week, they'd come up with another hoop, until it was time to shoot us down. They would not see over that one paper, even though our agent talked to the adittude having person from payroll and knew first hand the assery we had to get through. They are not there for you in any way, in the beginning it was several calls a day by the last couple of weeks, we would wait days to get him to return our calls. And after 5 months, not even a sorry we couldn't help you. But a come back again if circumstances change! Are you kidding me! I would only send my enemies there. We will be going through a VA dedicated company like new day or veterans united. It was crazy what they wouldn't consider, like they didn't really understand some things. They were also stringing my husband along with the promise of a grant,which we needed,but they are not the only ones. They just make it sound like it.