I agree with FUNd, you've lost. A 700 five doesn't mean s**¥, keep CLucas advice for the next person you speak to who says the same thing to you. I usually ask that on the initial phone call, so I know who he's already speaking to, and I like to remind them that they already were told no by their bank. And if he wants to deal with a direct lender your response should be why? They carry 1 program- theirs. And Mr. Merchant, how do you know it's the most favorable for you ? Best of luck RandomHaze