[quote=HLS]
It’s never been more difficult to get a loan through any lender, and the lowest/cheapest means nothing if the loan can’t close.[/quote]

This is true. Wells retail was a friggin joke. I almost switcherd at the end due to their incompotence. 30%dti buyer with no debt 20% down and they pissed me off bad. You have to watch it with those retail lenders as their processors are back who knows where with the UW. Stay on top of em or your file will get old fast on some shelf while they process all those losers getting loan mods ahead of you.