Apple Valley... I have a number of much beloved relatives there (as well as Victorville and Hesperia). The area is still depressed, but all the same, opportunity is there for success, and I wish you every good fortune.
One of my nieces, and a nephew, just refinanced under the HARP2 program. Both escrows were through FNT, and signed in their homes (actually, with the distance that one has to travel there, this seems to be the normal practice). Perhaps you're all ready approved by them, if not, while you need a referral from an escrow officer to get on their list of approved NSAs, I'm sure (given your background) you must know at least one of them, and should be able to get the process started fairly easily (FNT approval accommodates the Fidelity Family of TCs).
Of course, there is an absolute "wealth" of GNW to be had on the upper desert.
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