Tell them clearly that you give them the opportunity to keep the mortgage with them and that you prefer the convenience and no cost of a reset, but if not you will shop with someone else for a full refi and they will loose you as a customer.

I have a kitchen with 70's laminate custom cabinets.

My agent set up a custom listing for me that targeted the zip code I wanted to buy in at the price range I determined.

Customer name - address - email - phone - dates - rate - etc. 

New constructions provide a lot of benefits for investors like low maintenance, home warranty, premium rental rates, and customization for use as a rental.

There are standard applications out there that you can customize to meet your specific needs.

My profit margins on a $108,000 job for a paying customer is much lower than 50K, much much lower.

A few of my regular customers know as well. 

For the sake of time, I'm just listing the Fannie Mae rules:In Section B3-3.1-09 of the Fannie Mae Selling Guide (page 366 to be exact) the rules to employment contracts are as follows:Option 1 -- Loan Delivered After Borrower Starts Employment - this means that the lender "sells" it back to Fannie after the customer has started but the customer has not yet been on the job for a normal amount of timeThe lender must obtain an executed copy of the borrower's offer or contract for future employment and anticipated income. 

I will refer all the tradesmen that you need and a great handyman, just P.M me.Contractors are by no means have to give out free quotes although we do because of customer service and good business practices.