Perhaps we could grab a virtual coffee or chat on the phone or a zoom? 

You need to shop it to an Independent agent (or agents) and find out what the cost truly is to insure it correctly and then make your decision.

I will Also do take into account the fact the refund window is impossibly short at 3 days for anyone not 75 or older, how you can decide if you are satisfied with a lender inside of 3 days for finding a deal, and doing the appraisal etc is beyond meYes, they are a scam as I tried using them and besides getting locked out of my account constantly, which seems to be from their side of things from how they made it sound, they have rather unrealistic requirement's (Comps that none of the local realtors or other lenders use for one thing i.e too narrow),or the fact they expect total rehabs to be done inside of a month or 2 and then the property should sell instantly after that, they want all of that done in the space of 5 months, even deciding a property is something else entirely, deciding that other homes are businesses (Like a bike shop) even though they are clearly residential SFR or apartments.

It’s a problem as some will use that time to keep shopping and exit if they find a better deal.

Kinda like car shopping and you know nothing about how an engine works but open the hood anyway to look at the engine.  

People tend to shop with their eyes, so give them something incredible to look at!

We should get a coffee since we are close.

I also have experience with retail, both my wife and I started and used to run a clothing shop while we both were busy (me with my company and she with a corporate job), for around 5 years before we decided to sell it.

Let's jump on a call or grab a coffee sometime.

For example like shopping around for insurance or evaluating the portfolio between cash value and replacement cost insurance.