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Scott, a couple of things I disagree with in your list:
The credit companies give consumers a 14 day window to have their credit pulled by as many lenders as you wish. They assume you are looking for a loan of some sort when they see this. After the 14 day window is when they start to ding your credit if you continue to have your credit pulled.
Doing an 80/20 no longer has the benefit of tax deductible interest over a full loan with PMI. On Jan. 1st, congress passed a bill that allowed PMI to be tax deductible for anyone with an income of less than $100,000. Plus, an 80/20 may not be the best option if someone is planning on staying in the house long term, since PMI does drop off after a couple of years, while the 2nd mortgage is there for the next 10-15 years if not longer! An 80/20 is not necessarily the way to go on a 100% financing loan.
What lenders allow you to "re-lock" your loan if rates go down after you have already locked it??? None of the ones I am familiar with do this.
Most companies have a Privacy Notice disclosure that must be signed by the consumer. They have the option of opting out of having their information sold to third parties. My company doesn't do this anyways, but we still have to get the form signed.
Hope this helps! Good luck with your blog!
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W. Jay Pierce
Mortgage Specialist
Carteret Mortgage Corporation
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i was wondering if anyone knows a site i can use (copy) to post blogs weekly on my own blog.... id like to do it myself.. but time is of the essence. id have no problem crediting the author... its all for Search Engine Optimization stuff. 
