The fun part for me is that rates may be great right now, but people don't understand that what used to be great credit is only decent credit now and they actually have to prove that they can qualify for a $300K loan instead of basically saying thet're good for it. People got this inflated sense of entitlement when money was easy to lend and now that banks are watching their asses it makes me look like I'm some nosey fuck that wants to know all of your financials.
Oh yeah, I can honestly say I've closed over 1,000 home loans. I kind of know what I'm doing when it comes to this. I absolutely LOVE people that go through this process maybe 4 times in their lives and tell me what the market is going to do or what rates or fees are unreasonable. Fuck off. Everything costs something. I don't work for free I don't work for cheap. GTFO and find some douchebag that doesn't have your best interests in mind when he's structuring the financing on the biggest inbvestment you'll make in your life.