The questions normally come from the underwriting department. Many lenders try to build walls between the underwriters and the loan agents so that the underwriting will not be influenced. The "walls" can destroy the ability of the lender to issue any loans in a timely manner.
When picking a lender or a real estate agent look at their past results not just their advertised charges.
Redwood City home values http://julianalee.com/redwood-city/redwood-city-statistics.htm
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Over 1,000 homes sold in Santa Clara County and San Mateo County