I agree with Enorah about perhaps the universe is preventing you from making a long term mistake; the universe gives us many signals, it’s our human flaw that doesn’t allow us to listen and take note…however, if you are still determined to go forward, I would highly recommend you speak with HLS – he is a wonderful resource and great body of knowledge, and just a super cool guy to talk to and work with. Your loan officer will make a lot of money on your deal, she shouldn’t be treating you in that way, it’s so 2005! If you feel uncomfortable using someone on this blog (HLS), I can also suggest a loan officer who can be trusted. I have worked with him since 1999 and have been very pleased with his work and feel that he is professional and honest.