Most commonly this is someone seasoned in the widget business, who just opened their own widget shop, and they aren't saddled with 15 layers of middle management, so the new business might not do as many units of widgets, but those widgets they do sell, the business reaps the profits that otherwise would have been paid out to useless middle management.

Maybe try a broker to shop the loan out for you. 

I think my last option is to try shop different lenders, hopefully find someone with relaxed guidelines.

Looking to start renting our current house (House #1) and live with the in-laws while we shop for a bigger house (House #2).

This is the breakdownLoan CostsA.Origination Charges$1,7820.325 % of Loan Amount (Points)$492$150Application Fees Lender Fees$1,140B.Services You Cannot Shop For$1,044Appraisal Fee$850Attorney Review Fee (TX only)$150$13Credit Report Undisclosed Debt Report$31C.Services You Can Shop For$2,699HOA Transfer Fee$150Resale Package$300Survey Fee$539Title - Document Preparation Fee$50Title - Escrow Fee$425Title - Guaranty Assessment Recoupment Fee$2$130Title - Lender's Endorsements Title - Lender's Title Insurance$1,103D.TOTAL LOAN COSTS (A + B + C)$5,525Other Costs E.

Secondly, I did not shop around for lenders and I need to do that in the future.

Thank you, @Cody Lewis You're probably right, I may need a CRM (I've occasionally shopped for them in past).

It's not more sleep, it's not eating healthy, it's not more coffee-- it's drive.   

Message me if you want to get coffee or start a local meet up here in St.

It’s a shotgun approach to insurance, in that they shop the entire market and find the companies that will accept your risk instead of you, yourself calling 10 insurance companies and wasting your time.