My form submission to "mortgage professor" Guttentag:

"Well, I was going to send you an e-mail, but I couldn't find your e-mail address.

My question is: HOW can a borrower choose a broker without a QUOTE??????

It makes no sense to me, and basically causes LAZY brokering. Why would a broker work hard to find a good program? There is NO incentive!

I'd greatly appreciate it if you could explain how "Analyst" should select a broker at http://www.bayhouse.com/credit-foru...&t=7334#post409

Lately someone asks me for a broker recommendation just about every day, I'd like to be able to send them to your site without lengthy reservations and explanations of the pitfalls.

Christine Baker"

As always, I HATE those forms because I don't get a copy.