Many Muslims do not use standard American mortgage loans. 

That is India or the Malaysian area.

Our international headquarters are based out of Bangalore, India but we have a handful of offices onshore as well.

You are likely dealing with Premium Title out of Atlanta (An Ocwen/Altisorce affiliate)  by way of India.  

Furthermore, you have people from India that have a deep pockets that is buying in the Dallas area , and it is hard to get a good deal when they buy with cash and no contingency or weasel clause.Joe Gore

**So the folks Russel is describing will quote the cheapest title/escrow fees that actually exist in the entire state, even if it's a call center title company in India that no one in their right mind would actually use (and this **is** a call center / internet lender and not a local, so this behavior is consistent on paper). 

Don't shut down the home office of the Muslim single mother in Apt#3 while allowing the married white guy in Apt#1 to keep his.

VA is just a virtual assistant many people hire them and they are located in India or other countries and they work for far less then an issuant would here in the states. 

No need to compete with Philipines or India for call centers and technology.Good to have a thinking cap on though.Look at this list of ready and willing helpers:https://www.google.com/search?

Not a big fan of Hubzu as it seems all the administrative activities were outsourced to India thus making closings a mess.