500 FICO was a flag. I've seen guys go low on 601+ Never seen a guy with up to 3 NSFs (max) and a 510 FICO get a 1.17 rate.

Dropping the rates 10 points threw me off as well.

Sending me an editable contract (in word format) was equally alarming.

These amongst other things appeared strange to me. 500 FICO = 1.17. 10 points lower (490) = 1.42, according to them.