Find out the terms on their current deal. Is it a 3-8 month deal? If so, was that the longest term he was offered? That will tell you a lot about what they can get now. If times are tough, I bet his qualifications have sank since then too. Symptoms of this might be a lot of inquires, declining bank balances, if the current deal funded just a few months ago and my favorite, they will sell you how awesome their business is.

If he/she has a premium deal and you managed to get an app out of him/her with out knowing which lender to use and what options they have, I am simply amazed. Kudos. (and face/palm, I can't help but think of all the stupid delaying reasons merchants have tried with me because another broker is telling them they can get them something that obviously isn't available).


and while thinking about the many things my customers have said have been promised to them, face palm