Ok, first, I think they should call them " The Mortgage Group of nonprofessionals ", yes group of nonprofessionals starting from the Mortgage Broker, to his assistant to their underwriter that sits in Toronto,and can't get anything done due to the time difference.I just wasted one month with those people.To proof that this broker doesn't know anything,I am straight forward salary employee,and the funny broker asked me about my T4 from last year,that's doesn't make any kind of business sense as I gave him Letter of employment and recent pay stub,but again he doesn't know what he is doing.Those mortgage amateurs want to be a bank,by starting lending money, sorry my friends, you are very far from being a bank,as your staff what they care about is getting their commission.just please try to know your true size,you are just the middle man between the client and the bank.plus mixed messages,the broker will tell you something, his assistant will say something different,and their underwriter says something totally different than both of them.If you would like to waste your time and getting nothing done,I highly recommend the mortgage funny group. read more