The rates vary wildly depending a numerous factors (more than just credit).

And the fact that Sean has not put up more effort into making sure my investment is protected is concerning to me.Now I'm pretty sure he's going to have an explanation pointing the finger at me somehow, some way but at the end of the day he's the fuse to all of this.

Maybe there's something you're missing (though it doesn't sound like it), so I would ask for an explanation. 

Those explanations made sense.

Upon entering the home the numerous upgrades will immediately stand out including luxury vinyl flooring, new fireplace and new open floor plan.

Upon entering the home the numerous upgrades will immediately stand out including luxury vinyl flooring, new fireplace and new open floor plan.

I am hoping I can get some clarification and explanation on cash out refinancing.

They have no way to know who falls into the numerous positions protected by this law, and it would be too cumbersome to constantly update all of their addresses in the database even if they could track it. 

So if numerous large claims come into to the insurer (maybe a large natural disaster), they could not have the money to pay out and go out of business leaving you with no recourse. 

I can't think of a logical explanation that isn't creepy.