Johnny, we do the underwriting and funding for our Correspondent Loans with Affiliated, Chase, Flagstar, GMAC, Sun Trust, US Bank & Wells Fargo. I'll have you pre-approved within a day and funded within 30 days. My rates & fees are posted on my website. See Web References below. No one deserves the way you have been treated as explained. Please contact me. On my website se the catagory: See How We Do It.