And then I talk to the regional ops manager, and sure enough he can't tell me when the earliest a borrower can lawfully sign loan docs is, if the CD is acknowledged on Thursday and Monday is a national holiday but not a company holiday, he thinks it's impossible to close an FHA deal in <30 days, he isn't aware that Fannie Mae only requires signed 4506-Ts, not returned and processed transcripts, et cetera.I work for a place that I believe has an excellent balance.

We want to get back to NZ, if we are able to work for ourselves, because we miss the relaxed atmosphere, beaches, and fresh fruit.

If you are not laughing, you probably need to relax and have more fun.

Have a great holiday.

Relax and make it a learning lesson. 

It makes no sense.Keep up it, and you can relax on the beach later in life while these people are struggling to pay their credit cards.Good luck!

So give yourself a bit of time to relax and adjust before you make any big decisions about it.

Nice relaxed way of approaching this business!

In what you have described the only issue I can see the underwriter asking about is the derogatory items from 2010.Relax and breath.

I advise a relaxed approach more asking them what they want then telling what you want.