[ryan $]

EBF may have been the hardest company to get a live person on the phone at one time. They are better now (somewhat). I think their underwriting is solid, but I question their due diligence. They are ripe to be defrauded.

I use them less and less, because their competition is providing damn near identical offers without the need for a COJ.

My last few everest deals have had no COJ's