Kyle, my biggest complaint has always been communication with the consumer through the entire process plus making sure the promised rate IS the rate and the GFE is accurate and TIMELY in its delivery. One of my best buds, creative, sharp, hustles, is the WORST communicator and NEVER follows up!! He was in a great "Tips Club" with me and has alienated many,many by his shenanigans. He tries to get cute with loan products and alienates the client. I referred him to a client seeking a $1,000,000 loan and he got cute and the client ended up using a "Private Mortgage Consultant" from Wells Fargo who made a rate and closing package he did NOT get a chance to match. I want to hear all the bad news real quick. If the client can't qualify then don't waste my client's time and MINE by trying to fix a square peg in a round hole. Those days are done! However, if they client can be brought along, developed, consuled into becoming a viable buyer then you are a hero to me! I want you calling me and not ME chasing you down. My other best friend, who I met as a loan officer, was THE guy I went to for all my loans. I told my clients, "You talk to Bill Fried, if he can't get you qualified then sign a longterm rental lease!" He up and moved to Georgia!! I'm STILL looking to replace him! And that's been over 7 years! I've tried a whole bunch more but none as good as he. But he invites me to the Master's Tournament so I'm still talking to him! Good question! You work Santa Rosa, California??!!!