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You are doing fine ! the job of a decent non aligned to a specific lender credit adviser ( cant use independent anymore) is to ensure we manage RISK to the client. Often, clients dont see that risk, but its important for our financial benefit to ensure the client doesnt get into trouble...

Uncomplicated usually translates to "convenient". Sometimes the level of convenience determines the level of tears when it all goes pear shaped for reasons we NEVER foresaw, but those with knowledge of the "law of the path" knowthat intention doesnt matter, direction does. None of the new...