As agents we have the best of intentions with regards to getting your questions answered.
A great rule of thumb for questions you ask at Trulia or other sites, ask real estate agents questions about real estate and ask lenders questions about loans.
We are not lenders, and while we may know the answer to the question, it is going to be a lender that supplies your loan.
Best of luck to you,
Mark & Kari Shea
Shea Real Estate
National Association of Realtors
CA DRE License 01713506