OT: Phineas, my loan was a no income verification loan as well and got them to eat all the costs. Many wouldn't do it but a company named IPI Skyscraper (also known as MortgageIT) with offices in New Jersey and New York financed my California loan. I found them through Lending Tree but I must have had 20 different conversation with them until they finally honored the original offer (they all try about 5 different bait and switch techniques). This was 6 months ago, 15 year fixed jumbo at 5.75%, 30% Loan to Value ratio, no prepayment, UAL miles.
You must be very detailed as this is a dirtier business than used car sales and you must be determined and have a little time to play their game to get the best rates available.
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