well guys as you can see i am still here. obviously i must be doing something right. plus i work off of 100% commission, if i don't do my job i won't get paid a dime. i don't know about the rest of these people you've worked with but i'm not here to do charity work.
I'm in the same boat as David - everybody claims to be reliable. Being an appraiser as well, I've seen my fair share of self claimed 'reliable' loan officers get out of the business recently.