Phil, you get credit for admitting a mistake and being honest, on this site that is probably the only way to gain credibilty and ultimately business. Here’s another tip for the savvy crowd you are marketing to here, lose the phrase “structure a loan soloution.” I don’t have any suggestions but I think today’s buyers are wary of “soloutions” and looking for honest rates and traditional loans they can afford now and in the future. I was listening to an ad on Bill Handel’s radio show (KFI Los Angeles) and the phrase that hit me was ” if you have bad credit, a bakruptcy, mortgage lates, low fico scores, don’t call us and waste our time, this loan is for people with excellent credit and verifiable income who won’t default which is why we can offer you rates all the losers out there can’t have.” Not only did I laugh my butt off, the marketing worked on me and I’ll probably call them for my next loan. Most of the market falls into that category and we mentally filter out ads for “bad credit o.k.” or “lower your monthly bills” (translated to “live beyond your means”). Go real and go BOLD, I am being honest when I say it’s time has come in this market where the prime borrowers are all that’s left.