A local Title Company is also putting in a good word for us.Basically, it's doing things right and slowly changing the wrong perceptions.

Although not illegal, if your peers and contemporaries think it's shady, it really is a case of their perception versus reality.

Thanksgiving/Christmas, in my opinion offers an excellent time given the fact that most Americans are spending money on gifts, etc, tax season offers returns to potential home buyers so what is your perception or history on the perfect "season" to purchase for you and what alters this in comparison to my perception? 

Perceptions may still be from some years before and the areas may have changed since.Just my opinion ;-)

Your MLO may not be aware how it would be figured, it should be included as PMI if it is allowed in your state.Yes, liability is an issue, the reason your MLO is charging so much is probably their perception of liability, so long as you use them, yours should be lessened, they should be insured and bonded.As to the appraisal, if you use one for loan purposes for your funding, that's one thing.

In 5-10 years the perception of Detroit will be different.

Specifically, take a hard look at Detroit.It's still flying under the radar right now, largely because people dismiss it due to entrenched negative perceptions that no longer hold true.

I prefer to confirm outsiders perceptions about San Francisco (foggy and cold), while I enjoy the hiking trails, perfect weather, and wineries and beaches!!

For years we have gotten caught up in the perception of other leaders as keystone leaders like Khadafi (at one time), Saddam, Noriega, Aidid (Somalia) and others.

Expectations may the change demand, thereby the perception of supply, rates may increase and prices may head up.