Well they do come and go.  I have been doing this over 23 years now so I guess I stayed through the toughest part I personally have gone through for a long time.  It was a doozy. But, doing it that long and I guess I am not aware of the side deals in Real Estate financing to obtain more favorable terms.  What do you specifically mean by that.  I can always learn something it appears.  I could guess but I think I am way off. =)   I do try and always find the best loan the client can qualify for.  Meaning knowing our programs are very important so we know the most favorable terms to offer what the client qualifies for.  This is the tedious part of the process.  Once this is figured out we usually move smoothly.  I feel doing it up front is much less stressful the entire way.  Thank you so much for your input but if you can share how I may be able to help even more, that would be great.