That's their cheaper, more competitive arm, but has more underwriting constraints.When it comes to flips, especially the quicker ones, it's not the rate that hurts you, but the points.

The property was listed at a competitive price, which initially caught my attention.

While I do price competitively, I am personally not competing with the "race to the bottom" lenders that will do loans for almost free because their model is volume.

First impressions are everything, especially in a competitive market.The inventory of active listings has surged by 50.41% to 5,159 homes, providing more options for buyers.

Recently, buyer's agents have to jump immediately, each time a new listing hit, due to such limited inventory, huge competition, and listing agents not placing or honoring offer deadlines. 

We are committed to offering market competitive pricing by taking the entirety of the JPMorgan Chase & Co. relationship into account.

That small of an area they should all be able to quote you competitively

It also depends on the market you are in and what your competition is doing.

so junk fee's are not included in your apr.and you dont advertise your junk fees  you advertise your points.. and when ALL of your competition is at 1 to 3 points with no up front disclosure of junk fee's in their advertisements then thats how you get the phone to ring..

Particularly on competitive offers, previously most offers would have had similar mechanics, in that the seller was paying both parties brokers.