Like I said HLS, we seem like we are cut from the same cloth. I agree that a direct lender is not necessarily better but its perceived better. As in some recent college grad sitting at a desk in the local Wells Fargo is just a salaried paper pusher with little incentive to stretch the truth. That is just the perception and not necesarily reality.
Having lender I trust is paramount and negates any reason i would have to see client financials beyond a proof of funds for closing.
