That is the cost of being in a falling market.Anyone who goes to a lender with $1 Million of cash assets looks good to their banker.

I think 25 was the perfect age to purchase the first place since you have a few adult years under your belt so everyone from bankers to realtors take you way more seriously.  

I bet your banker needs a break also, Ha. 

I have spoken with long and foster, Keller Williams and Coldwell banker.

I also took and passed the UTS test this allows me to become a RMLO or Mortgage banker in my case in any state that signed up with the feds.

Conservative is key, why do you think bankers wear dark suits?

I found a banker who was investor friendly, and now I try to bank there as well.

Thanks for the thread.I agree with much of what was said in the article, but it is rather biased in that a broker may deal with several mortage bankers and collect only one fee for the orgination of a loan.

I would have a frank conversation with your banker and see about getting a preapproval letter. 

I was speaking with a Wells Fargo commercial banker at one of the meetup and he told me that, to cover them from the interest rate increase risk, they now borrow using the Debt Yield Ratio of ~8% (http://www.c-loans.com/knowledge-base/debt-yield-ratio).