After a brief vacation from AR I am back with many fresh ideas for future blogs.....

the refi's are heating up and many of the wholesalers who are left in the business are getting backlogged again....

if the fannie/freddie limits are raised to 700K + look out!!  it will surely be refi mania again...  thank god all those pizza delivery boys who jumped in the game the last go round are no longer in the biz.... hell ----  half the mortgage companies from the last go round are no longer in the biz.......

so here goes -  my top 3 picks for wholesale lenders as of Jan 29

1) - Flagstar -  simply the easiest website around, fast turn times....  competetive rates -  sometimes very good... sometimes not so good

2) -  Sierra Pacific -  new to our office but they seem to be very good so far..............

3) - Countrywide -   great rates, decent turn times, still cross my fingers every time I submit a loan to them

others i would consider -  provident, First Pacific ( Stearns ) , Citi ( they take forever ),  US Bank  ( i know they are anal like a bank but i heard they do deals others will not )

wholesalers that scare me ----  IndyMac ( they do not ever answer there phone and are closing branches ), Citi - they take forever!!   had a VA  IRRL that has been in 10 days and not looked at yet, Countrywide - just because they do, TB & W - the worst customer service.......

let's hear from all of you --   we need to stick together.....    anyone know who goes 100% on seconds????