Got to get my feet wet and learn from experience, as I have had cold feet for about a year now.

Even with the cold snap we're in right now, this winter has been a lot warmer overall than it was last year.

I live in NYC, so it gets cold here.

Find one that is not main stream, so not century 21, cold well banker, and etc.

The average homeowner is becoming more and more rude to the cold call door knocker!

I just don't like it as it's cold and I find the grid of the grout lines unpleasant to look at.

I have spoken to numerous people that have gotten cold calls from their bank (Usually BAC) saying that they wanted to refinance their loan for no fee's, no appraisal, no credit check and no employment verification.

I see an offer as a committment to do what I say I'll do, I have never walked away on a deal unless there were real issues, not from my changing my mind, getting cold feet or putting myself ina position where I could not perform, it's just an integrity thing with me.

I’ve seen countless borrowers come back at the last second asking if we can still fund their deal after they’ve gone cold on us.

DU, LP and DO cold still issue an "Approved Eligible" for a 450 score based on compensating income and asset factors or deny an 850 just the same.