Most of the questions we have attempted to answer in layman’s terms are of such scope and depth that complete answers would take dozens of pages to complete (you’d be fast asleep before page 6!!). Fact is, circumstances differ to such a degree from person to person that definitive answers are almost impossible, unless we know much, much more about YOU. However, use these answers as a general guide and then call us with your particular situation. We don’t bite and we want to hear from you, be that on the phone, through our Free Pre-Approval forms right here on our website, or by e-mail! Who knows, you may have a question that is not covered here...