In lending there is a tremendous amount of competition. Lenders will often promise clients the world but dont explain anything. Clients that i would come in contact with or would contact me telling me that certain lenders were very aggressive and offering them extremley low rates. These rates that were offered were almost 1 to 1.5 % lower than the days current par rates. I told these clients to send me their good faith estimates, actually some these lenders outright refused to disclose them to their own clients!!!!!!!!!!!. On the gfe`s nothing was disclosed in reagrds to loan discount points. A few of these clients ended up signing with these bogus lenders and wondered why there were thousands of dollars that mysteriously disappeared. The smart clients cancelled their loans within the 3... 08/06/2006