meadandale: thanks for the additional info. i’ll tell her about this and see what she has to say, if she’ll listen

ray: i understand. i have also asked her to fax it to another fax number, which there was no receipt. so i asked her to fax it to kinkos, and it still didnt’ work. i didn’t want to keep pushing it (since i don’t have a backbone). u are also correct in saying there are many sides. i think my problem was not demanding the information i should have received by now. i had spoken with 3 different lenders, and i chose joice on the simple fact that i felt like we “clicked” in our conversation and appeared to be on the same page as me. a friend had suggested using all 3 brokers until i got good faith estimates, but i felt that would take too much time to fax 3 copies of everthing out, so i just ended up with joice. the referred loan broker i did get didn’t speak english that well, and i had a hard time understand her. i know this is wrong, but i didn’t want there to be a misunderstanding down the road.