@bookworm, In one of the cases, the “young adult” had very little knowledge of buying a house (his parents were not even in this country.) So throughout his buying process, he consulted this matter with a couple of us who had bought a house before. This is how we knew about it. (He used to be our ex-coworker.) I prefer not to talk openly about any details about another case. It suffices to say that I am pretty sure it is true also.