United home loans, who handled my application, were terrible.  

Contacting the homeowners from a tape is a violation 

First applicant lied on the application...and was convicted as recently as last October for burglary and theft (with previous warrants listed).  

I still require applicants to fill out a paper application so I can collect SSN and drivers license numbers. 

I use Quicken for book keeping so really, the only benefit I get is the application process.

I filled out applications for both and the broker was lower. 

I would expect about a 6-9 month period from application to approval WITH an expeditor.  

I would be much more comfortable with a fee structure similar to the following:Listing Fee = $50Showing Property Fee = $50 a showingApplication Fee = $20Background/Credit Check = $50Maintenance Issue = $50 an inquiryIf I had the property shown 4 times with 2 applications processed I would owe $340.

Was the requirement to have a co-signer discussed with you during the application process?  

When there are two or more borrowers, but one or more will not occupy the property as his/her principal residence, the maximum mortgage is limited to 75% loan-to-value (LTV).Borrowers should take note of some exceptions to that 75% limit which are based on family-type relationships.Borrowers are eligible for maximum FHA loan financing for non-occupying borrower situations for FHA loan applicants who are related by blood, marriage, or law.