That is true most loan officers (LO's) just plug stuff into a computer and press "submit," and when it does not return  "Approve/eligible," or "Accept/Approve," they just go back to the borrower to say tough luck with out asking what could have been different or what the borrower could do to make the file qualify.This gives a big edge to LO's that take the time to educate themselves.Then again it could be the bank overlays or sometimes they have no specific overlay but their interpretation of a guideline is different that you would like and it affects the file adversely too.

Hi Catherine,I'm both an LO and investor so I'm seeing both sides.. here's my 2 cents:1.

Was thinking a brewery or something lo-key.Can everyone chime in if either of those dates are preferable and then we will lock  one in?

I was opening up a wall and lo-and-behold, the previous owner had dug out the crawl space to add square footage and did not bother to pour the foundation walls. 

Hey Zach - LO at a mortgage company here.

So it appears (again, about 80% certain of this) that the WF loan officer who does their own research can offer Freddie stuff (& their underwriters will OK it), but the WF LO who just follows the assigned continued training can only speak intelligently to Fannie.

I had an amazing LO when I was buying my first house and that's what really pushed me to get into this field. 

I had an amazing LO when I was buying my first house and that's what really pushed me to get into this field.

I had an amazing LO when I was buying my first house and that's what really pushed me to get into this field.

I had an amazing LO when I was buying my first house and that's what really pushed me to get into this field.