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Just curious, are you an affiliate of Lenox? I realize they have negotiated attorney fees,title fees and utilize a delegated underwriting channel, to help keep cost down. This does not mean these cost disappear- some move from transactional to the P&L. In the currnet rate environment, higher rate coupons are just not paying the same spreads as they were in the recent past. I do not believe Lenox is immune to this pricing since it appears to be an industry wide issue. They may have mastered a prudent process and flow with a little lower fee structure- but they have not master a way to make closing cost disappear.
Wonder if he carries around a whistle all day....
Lenox Financial does not service loans. Their ad's claim what the Op stated about lenders making tons of money over the life of the loan.Look at the disclosure regarding their servicing record in your initial disclosures.
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