In fact, with their new construction homes, which they are concentrating on now, your fortunate if you see any cash flow at all when allowing for soft cost reserves. 

The sheets were so soft that we were not used to that.

I asked every year for 7 years to Wells Fargo (mortgage owner), USAA and other mega banks to refi. 

If you aren't working with anyone, are you familiar enough with what you're doing to...well...know what you are doing?

But whenever I actually call up a lender, I usually get a soft quote in the range of 5.50%ish and a large bank that I have a long relationship with won't even lend at 80%. 

NO Booze  just coffee and soft drinks but of course designer coffee we are in the Pac NW after all.it was a HUGE turn out over flowed the office LOL.but I did do it with another person.. he helped cordinate etc.. and I invited a few people that he thought were direct competitors of his and the next day this kid calls me and basically chews me out.. .. that was the end of that relationship and the last time i go to any meet up other than if I am invited to speak as a guest speaker..

My only concern is that the floor throughout the 1st home is very soft and uneven.

The only issue I've had is sometimes tapping too hard with a soft mallet on the ends and bulging it a bit. 

Instead get their phone numbers and call them and text them and increase your response rate to well above 50%.

You don't come out of pocket at all on this quick and easy method.If you're looking to make a move in the near future with your credit though, I would ask wash credit card company, before receiving the increase, if they require a hard or soft pull.