The first mortgage person I dealt with told me that I did not qualify for a conventional loan. His title was FHA Specialist, and that should have scared me straight now when I think of it in hind-sight. It turns out that I did not qualify for the FHA loan, for reasons that were apparent from the get go. Moreover, you would think that an FHA Specialist would know. However, I have since gotten a commitment letter for a 30 year fixed loan. The very product I asked for from the start. Now, somewhere in the process the first mortgage sales person... read full review »