It was a pretty annoying process and I'm not sure if its actually worth it, but my husband is risk-averse so here we are.

Hi All,  I've had several rolled roofs installed and never saw anything like this. 

Wholesaling is risky, because there are a ton of bad players out there, and so most brokerages don't even allow it because there is so much risk, and the principle broker is risking their livelyhood. 

How would you manage risk? 

Several factors indicate the company is not that concerned about efficiency or ease of customer process: the website, a process that seemed to focus on one issue at a time instead of all issues at once, and consistently poor communications and lack of common sense from the loan analyst we were assigned.It started off very well with the initial point of contact, Austin Lornson, who did a fine job of explaining the general refinancing process, responding quickly and thoroughly to our questions.

Not worth the hassle/risk to claim.

This doesn't mean I'm not exposed to tail risks that could demise my life, but I feel a lot more protected and have no real stress in my daily life. 

This is not something I would take a risk on, but maybe others would.

People with high risk tolerance will have a far different answer than someone who is risk averse. 

Quote from @Patricia Steiner: There are several lenders who offer low/no closing cost options for first time homebuyers.