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Good Faith Estimates - FHA or Conventional - You need to pay attention to this !!!!

Good Faith Estimates...... 
When you shop for a mortgage, does your loan officer give you a copy of the good faith estimate?  Do they even give you this good faith estimate form when you apply for your mortgage? 
I only bring this up because I just spoke to my 5th client in as little as 45 days that applied with a lender previously who never gave them a good faith estimate.  This is 110% unacceptable from any standards within the mortgage industry. Ask any professional loan officer that is ethical and on top of their game per se, and they will be pulling their hair out. Hey, I don't have that much hair left to pull out. And I am serious about this. But it drives me crazy when I ask someone who is looking for some help or guidance and I ask them 3 simple and basic questions. And they can't tell me because the other loan officer/lender never shared anything with them.  Those questions and the answers I get?
What rate where you given?               Answer :  I don't know, they didn't tell me anything but that I was approved. Did you get a god faith estimate?        Answer ... more

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