"their loss is your gain.......I just refi-ed a couple who had initially contacted B of A. They told me that B of A was quoting them 60-90 days to get the job done and a cost structure that was far less favorable than what we could offer them. Go to the directory here and find a local professional. I'm sure you'll be able to find a much better deal than what you've been offered."    View Post

"53's interpretation (which makes sense) is that title charges and those which fall under the "Fees You Can Shop For" are not controlled by the RESPA tolerances on the GFE...."    View Post

"typically, that means that they'll do something like waive the appraisal or offer an interest rate below that to what they are currently offering their retail customers..... not all of them do the same....... but those are two examples of what the company I used to work for did on their REO inventory."    View Post

"If you're signed up with Flagstar (we don't use them anymore), last I remember they had a document on their site describing the licensing requirements for each state and in one column of the list, it said whether there were any exemptions. From my recollection, I don't believe that MN has such an exemption."    View Post

"Freedom will definitely do it. Last year I took Freedom's 203k seminar --they make you take it before you can submit a 203k to them-- and they made a point of telling us that they will do mixed use on the 203K program."    View Post