They just want the deal to close and move on to the next one.If you're ready to close, that's the "CD" or closing disclosure (it's a new form in the industry that the CFPB (consumer financial protection bureau) put in place for every loan from now on, instead of the old Good Faith Estimate and Truth in Lending. 

I work in the Transportation Industry.

Lenders wouldn't last too long in this industry if word got out that they held up transactions and got in the way of deals coming together.Hope this helps!

Those are what will point the right direction for you.The way you protect yourself from a market downturn is to vet the market to make sure it is resistant (i.e. not single industry as Detroit was), vet the neighborhood (improving?

In the industry we refer practices used to gather information in these ways as "Social Engineering".You can use a little social engineering to find out who owns a property.  

If the FED does what is says and slowly moves rates, this will have little to no effect on the mortgage industry, at least for the near term.  

To make things worse I moved to one of the most competitive markets in the nation Phoenix.

At that point I will take some of the money and move offline into RE (if it doesn't happen sooner).I also have a really good tech idea that can provide a lot of value to this industry.

I was just affirmed that my competitive spirit is alive and well. 

As an investor, I have close to 200,000 sq.ft. of industrial space in Toronto, a plaza in Barrie, a 6-plex in Bradford, to name a few properties.As a Real Estate educator and Broker, I advise on everything from how a single family home or condo can be analyzed from an investment perspective, to major income producing properties (retail plaza, medical office buildings, industrial buildings, student housing, multi-family portfolios, etc.).