Thanks, Sweetie. No worries, I’m a woman! What really shocked me was that I stupidly signed up on a mortgage locator site that promised me that I would not get more than four lenders calling me. Twenty-nine did. My boss (who has made a fortune in So Cal real estate) looked at a bunch of “Good Faith” estimates and was sometimes so pissed off that he threw them at me. Neg-am etc. Finally went with his mortgage broker who was strict as hell.