I agree with you Mike, it is old news, although eye opening but I found that when you dig into it, it's not as large of a percentage of loans as implies and it does make sense that they would negotiate that deal. It is about business after all. :-) But it would be nice to be able to know up front, for example if the CSR's could disclose that the loan may be part of that deal. As agents we can do our own research too though and atleast make educated guess and prepare the client for the possibility. Although we should always prepare them for the worse and hope for the best, is my opinion. It's about being realistic.