Quote Originally Posted by ridextreme View Post
you should understand what their process is. Every file that comes in goes through a process. The first process is entering them into their system, and running credit, before it's placed on an underwriter's desk. The girl who is running credit is not an underwriter. It's not up to her what deal will get approved and what deal does not qualify. She does her job, then passes the file along.

The broker should know ahead of time what file should be placed where, instead of shotgunning them out blindly to see who gives them the best approval.
exactly the problem and that includes if they go to lender directly