With respect, I can only say that you wasted alot of your time.
An honest mortgage person will hide nothing, tell you the truth about everything, and there is no need to spend a month putting together a thesis.

Nobody needs to see loan payoff statements or letters of recommendation. Your credit report and score tells the underwriter what they need to know about your past, and a W-2, reserve statement and your current income documents the present.

Amazon and the author of the book were happy that you made the purchase though.

I’ll be the first to admit that the industry is full of scumbags, but believe it or not, there are people like me that will tell you more than you want to know about a loan and are not looking to pull a scam or technique to separate you from your money.

Your one inch thick dissertation made you feel better, but I wouldn’t have treated you any differently without it.

Checking with someone like me would have saved you the same tens of thousands of dollars, but you may not have known it.

The only thing that matters is that you are happy. Nobody can know that they got the cheapest loan that day. It’s just unrealistic.

PS: Knowing that you are dealing with someone you can completely trust is not something that you will find in any book. Dealing with someone that tries to screw you and then says I’ll beat any other offers is not the kind of person that I want to deal with on one of the largest financial transactions of my life.