Drive me insane!! I had a client that was approved at 6.875% for an apartment Re-Fi and we got everything in on time and had a file that was rock solid and in the end..... the bank gave me Docs that had 7.375% and expected me not to notice, Seriously!!Come to find out the Account Exec wanted a little rebate for Himself and didn't think I would notice the difference in rate or the "POC" mention that showed Him getting some money "payed outside of Closing". This industry is filled with so many crooks it makes it difficult to find people who just do the right thing for the ENTIRE transaction. Oh well, He lost a customer and what little rebate he would have got cannot make up for the volume he loses in the future!! Good Luck out there!!! Keep your eyes on those DOCS!!!!!!Josh
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