@360coby@JDPower Banks are mostly doing A-paper loans. IMBs are doing the heavy lifting with non-QM, self-employed borrowers, and complex scenarios. Different ballgame not accounted for in the scoring rubric.
@DrSeanOMara Hope the water pik is all glass. Wouldn't want to get an overload of BPAs. Make sure to whipe your ass with organic TP. Or a spring fed bidet.
>Borrower applies for Bank Statement loan
>Refuses to sign 4506c
>Sends manifesto explaining she is not required to pay taxes or file tax returns
>Pretty sure her CPA is Wesley Snipes