--> the reason I ask: <-- It's fairly common for me to see a competitor's "quote" beat mine by 1.125 or 1.7 or so for the same rate, which is my ballpark starting pricing advantage minus the 2.125 that I'm hitting them with that the other person isn't, then I have to tell the consumer it's going to be "adjusted" by underwriting at the 11th hour, incompetence is more likely than malicious intent but that's how it's going to play out either way, and it's a total coin toss if the consumer believes me upfront or needs to learn the hard way (either way, I may or may not get this transaction, but I will get the next one, so I'm fine with either outcome tbh).

I think they're a bit expensive compared to other companies that do the same, but it's understandable since it appears they spend so much getting their name out there whereas many of their competitors are more difficult to find

Off market, negotiated one on one without any other competitors How did you find this deal and how did you negotiate it?

They consider cozy a competitor.

What are the competitors charging? 

I have a budget in mind and I've reviewed my competitors. 

Are any services unique or are you for the most part just better than the competitors? 

@Shantelle EvansI used to work for Intelliloans down in Irvine and our biggest competitor was Quicken Loan (sometimes Loan Depot and a few others). 

NO  it's to mixed up when you go to calculate interest on the security deposit,, like first year was 500 at 1 % then next year if you increase deposit to 600 you have to add 1 % to the original amount and it is a headache,Keep it simple,, match what your competitors are requiring for your area,, so some may not require last month's rent. 

We are also very well aware of what our competitors are buying and peddling, and will always hold out out for just the right property.