Never send money in advance for their fee's  NEVER. thats a huge red flag that they are just out for fees and are fake lenders.2. bad or not really good written english .. on the phone they sound like they are off shore ( which they are ).3. rates  lower than market most of the fake lenders will advertise 5% rate that does not exist.4. insisting you pay for mortgage insurance  there is NO mortgage insurance on PML HML loans does not exist.While NMLS registered and state licensed is a good way to vet a lender keep in mind only 12 states require it.

For sure@Mike Dymski Haha I'm no longer going there... going to local Thai place where they don't speak English lol

Hispanic lenders/REbrokers and others just doing bad things to non english speaking hispanics.. 

I'm pretty sure Algebra is a different language than English. 

We manage A-D class stuff, people with no bank accounts, English as a second language.

I am bilingual fluent in both English and Japanese. 

@Edgar JimenezI found a call center in Nicaragua with deported Americans who spoke the best English I’ve found for $10 /hour.

Now, what does Dave Ramsey have to say about my aviation travel habits?

When people use terms like "in every case" "always" "every unit", that's simply wrong if you are speaking english!

Great mixed English speaking population.