Thanks for the responses guys ! It is good to know many of us are all on the same page. It's just bad business and greed. Maybe CAN feels that once they get the client no one can take them away because when asked for a payoff letter they then solicit the clients with super low rates and tell them they can re-up them right now. One way to stop your client from a CaN renewal and only get 3 points is to just get them an easy 2nd position, save the client money from the double dip refi and get your full commission, CAN will not renew them once they see the 2nd position. That's one defense to the 3 point renewal bull____t !! Thoughts ?