It wasn’t until 1/15/14 that Tope requested to exercise his refund option.

As a result, real caution needs to be exercised here on BP.  

Exercise Science degree...nothing to do with getting into REI.

I would be gentle with how you relay that you know they are delinquent.

Now this is a simple exercise because it is simplified. 

However, currently the “subject too” and/or “wrap” transaction is always subject to the existing mortgage company exercising their legal rights to foreclose on the subject property based on the “Due On Sale Clause” which is contained in all mortgages and/or deeds of trust on real property.

They rarely exercise that control, and now we're seeing it happen.

BUDGET - Just like diet & exercise.

You would like to be able to do the things you want (travel, take classes, read, exercise, visit friends/family) without the constraints of a 9-5. 

I agree with others whole-heartedly that commuting longer than 30 minutes each way to work is a soul sucking exercise that will drain the will to live out of you in about a week or two.