Four months prior to calling your company, I tried other lenders that indicated to me that they would have no problem in completing a 100% loan given my credit situation. In each case, after wasting time and requiring more and more information with each new phone call, no other broken was able to complete the loan. In your case, I brought the financial information to my face-to-face, you had me wait in your media room for about 30 minutes, and within that time you had a full 100% loan approval, not just a conditional approval. Without your company, I would not be in my new home today.....