It's not because the bank is full of cruel people; it's because they couldn't run a successful business if they acquiesced to every "tragedy" in the life of clients.

But, I can tell you that I consistently have clients and potential clients come to me with unfortunate situations involving lease agreements (sometimes found on the Internet) that are simply not California compliant or unenforceable.

I have had clients in the Berwyn and Forest Park neighborhoods run into this trying to use the 3.5% FHA loan because the current rents were well below market rents.

Does anyone give clients a gift or something nice to make their moving day easier/better?   

So far most of the comments in this thread have been about Fund & Grow's performance in gaining personal credit for their clients. 

I can send you testimonials or reach by phone of clients I work with. 

> Land Trust > propertyI have used this with clients for years now.

@Alan Feldman That is what I initially assumed also but upon digging further he said he won't provide them because he doesn't want to reveal client information.

Yes, I have a super-star mortgage banker who is both experienced and knowledgeable: He's helped us and our clients for well over a decade.

If it's going to look bad and out of place, maybe forget it and go with bedroom furniture.I generally advise never clients to never cannibalize bedroom space, but if renters are always asking for a W&D, maybe go with the W&D and purchase bedroom furniture when finances allow it.