The variable may even be markets like the one we're in now - where everyone is shopping everything to save every dime, pulling more clients to the "cheapest" lenders, causing these kinds of problems to surface at higher than normal frequencies.

I need to scrape, sand and paint literally every exterior surface of the house and large deck along with roof repairs.

Glad to have you as a part of this awesome community, Clay!

And some of these lenders just did a poor job because they got caught up in the same unjustifiable market euphoria as the borrowers.But now as those bad decisions or incompetence or inappropriate market enthusiasm rise to the surface, most lenders have only one goal:  to get their principal (and hopefully interest and costs) back.So as it relates to negotiating an extension with a borrower…these are individualized conversations with ala carte selections, not a prix fixe menu.  

Doesn't seem particularly attractive on the surface.

You mention Shooting I do that with one of my kids we go at least 3 sat a month and that cost me 750.00 a month just for ammo.. forget the 10k or so I spend on the guns we like to shoot and the Clay thrower with the Wobbler attachment LOL.  

Does anyone have suggestion on a good contact for driveway resurfacing in Toledo, OH? Thank you very much!

Hard surface floors everywhere & carpet in the bedrooms only.

Quote from @Clay Lehman: @Jorge Vazquez where can I find your writing?  

Plus a clay soil problem, making the foundation issue a question of when, not if.