I agree that Countrywide can be one of the more challenging lenders to deal with, however it is all about the approach with them. Kill them with kindness, as my Grandmother always said, and take a position of "I'm here to help you get the most out of this sale." Is that betraying your client?...no because it is a business transaction and you have to take the emotion out of the equation otherwise you are not helping your client! We have a responsibility for creating a BUZZ in this market by taking the position of "THIS IS THE BEST MARKET EVER TO BUY." It wasn't to long ago when the sellers were brutalizing the buyers with the power of multiple offers, buyers writing letters with their over-bid offers practically begging the seller to accept their offer! Now it's the buyers turn and the expectation of buyers is they want a deal, and if the seller doesn't want to take a low ball offer, there are thousands of other homes out there for buyers to make offers on. I am holding off on taking listings and focusing solely on buyers. If we perpetuate gloom and doom in the market, even the buyers are going to go away! WE NEED TO PUT A POSITIVE FACE ON THIS MARKET OTHERWISE WE SHOULD CLOSE OUR DOORS! I'm going to get off my soap box now.