A bipartisan bill known as the Homebuyers Privacy Protection Act (House version: H.R. 2808; Senate version: S. 1467) has passed both chambers of Congress and is now headed to the President’s desk for signingThis Amends the Fair Credit Reporting Act (FCRA): Credit reporting agencies (CRAs) are prohibited from selling "trigger lead" information to third parties—unless one of the following conditions is met:The recipient is the consumer’s existing mortgage lender or servicer.The recipient is a bank or credit union with which the consumer has an existing account.The consumer has explicitly consented to receive the offer.While waiting for the law to take effect, you can reduce unwanted mortgage offers now by:Opting out of prescreened credit offers via OptOutPrescreen.com.Registering with the National Do‑Not‑Call Registry (via donotcall.gov)

We've usually seen a bigger spread between "Agency" (Fannie/Freddie/etc) and "Non-QM" (which includes the DSCR class of loans).

Often times there are bedroom size requirements, residential sprinkler system requirements, among others.You'll want to then check the state regulation agency and review their requirements and licensing process. 

You have local resources at your disposal, can have questions answered face to face, suggestions for test success, can ask determine agencies to aim for or avoid for future opportunities.

As regards to the lead certification process, my PL agency is proposing the full service for usd 450.

Do you know of any lawyer or any agency that can help me with collection?

Montgomery County's total Biotech workforce made up 51,490 employees in Q4 of 2024, giving the area a strong reputation in the Biotech / Life Science sector while also having other diversified between federal health agencies, biotech, defense, and hospitality.

Here’s what to consider based on your situation as a first-time landlord:Tenant Backs Out After Signing a LeaseSince your tenant signed a 13-month lease and paid a deposit, the lease is legally enforceable unless it includes a cancellation or early termination clause.If no such clause exists, the tenant may still be liable for rent until you secure a new tenant.The agency can generally retain the deposit to cover unpaid rent or costs related to re-listing.Any resulting legal fees or rent loss may be deductible on your Schedule E when you file taxes, as part of rental-related expenses.Appealing Your Property Tax AssessmentIf your property taxes increased significantly, you can file an appeal with your local assessor.A successful appeal, supported by comparable property sales or valuation errors—can reduce your property tax bill, improving cash flow.While insurance premiums are not directly tied to tax assessments, a lower assessed value may affect premiums if your policy is based on replacement cost or uses assessed value as part of the underwriting model.Should You Put the Property in an LLC?

The license shows up under Loan Direct , LLC and the title agency he says he uses is another mystery, "State Title and Escrow Services, INC.  

In 2019 my wife and moved to DC after I took a promotion to run my federal agencies national recruitment program.