“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.”

Enjoy the post. Think this is true of all professions. People wasting a lot of time thinking that somehow they can game the system.

Rather than spending months reading books I would think that a better analysis would be ” What am I looking to accomplish? What is going to make me feel most comfortable at night? After coming to terms with this matching the product up with a professional should be easy. Professional who know what they are doing are not going to waste their time trying to oversell someone. If they know the market they will be in line with their pricing.