In response to your edit:

I would say it would be the weather.

I am re-visiting this topic to bring it up to the top.

Carol closed a loan with Greg4Mtgs and used a Freddy Mac program.

A learning experience for all. Always run DU/LP.

Greg

I went through her tax returns and got all assets that they held. It was actually a Fannie level 3. She had a rental property that was seasonal rental so I couldn't use the rents to offset the mortgage on the non owner property. It was about a 55 DTI and I used just wage income to verify instead of using the self employment income as well as it was declining income per the returns even though revenues went up. I couldn't agree more DU/LP on just about every loan. She elected the Timely Payment rewards and in 2 years it will be like getting a free refi and her rate will drop to what will likely be less than they will be if she were to have to refinance then. She was actually a very good client just afraid of making the wrong decision ie. getting taken to the cleaners by someone.

Very nice Greg! Way to be. Keep up the good work. Customer for life!

Du/LP is good stuff. I got a first time homebuyer, 68% DTI, 628 credit score with very little depth, and all gifted deposit and reserves approved with no level's!