TXblue maybe I can help with part of your question on closing ,and not funded.I think HCPC is involved with indirect lending.Example... customer comes to HCPC for a loan to buy complex...HCPC takes down all info/app for credit and starts to find a lender that will fund the loan.Lets say Bank 1 tells HCPC based on the info you sent us we will do the loan based on all info checking out I.E ,applicants income,refrences,exactly what the money is for etc.Then HCPC has customer come to there facility for closing to sign all paperwork...then paperwork is forewarded to Bank 1 for funding.After all checks are made by Bank 1,and all is legit the loan is then funded!
Anything I say is only my opinion.
