I was just asking these questions recently:
http://forums.pelicanparts.com/showthread.php?threadid=293342&perpage=20&highlight=mortgage&pagenumber=3
I'm going to check on the status of this. I found a REALLY good mortgage broker (and p-car enthusiast) that covers MD and VA. I'll see if he can broker loans in other states and let you guys know.
He beat everything I approached him with - gotta be a P-car guy though. That should be easy on this board!
