Lenders now offer several affordable mortgage options, which can help first-time homebuyers, overcome obstacles that made purchasing a home difficult in the past. Lenders may now be able to help borrowers who don't have a lot of money saved for the down payment and closing costs, have no or a poor credit history, have quite a bit of long-term debt, or have experienced income irregularities.
There’s a solution for dealing with wood screws which have broken off below the surface of the wood. If you don’t want to risk damaging the wood by digging it out, try driving the screw deeper into the wood with a nail set. Then just fill the hole with a wood filler, and drive a new screw next to the broken one.