I run a branch for ENG Lending, which is a division of a state chartered FDIC community bank. We lend our own funds nationwide, thus no warehouse banks in the way. We are currently 3 business days in underwriting! I have been in the financial industries for almost 15 years, some of that time as a financial adviser with PaineWebber (now UBS). I have a bachelor of science in Accounting and Finance. So I believe that a mortgage is more than just a loan, it is an important piece to one's financial picture.