Mine is unprepaared brw's. This includes brw's not being prepared by the LO, and being unprepared as Betsy indicated.3 If this were my appointment to sign, I would want to be ready, with no interruptions. And I absolutely hate it when I go in and present the HUD/Note and the figures the LO were waaaay off. I hate it even more when the LO tries to get me to BS the brw into believing that this is the ONLY loan they can get.
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