Hi Tammy, We appreciate all that you have done to try to help us with this home financing decision. We have decided to go with another lender. We are going to save quite a bit of cash at closing due to direct-pay reimbursements, and since the lender is working through our relocation company we get a break on the origination fees and other costs. It is entirely possible that I will regret this decision. As it is commonly said, nothing is ever free and nothing is ever as is seems… Everyone we have talked to highly recommends you for your knowledge, professionalism, service, and the fact that you deliver on what you say. If we weren’t working with a preferred-lender through my employer, there would be no question that we would come to you. I hope you understand. Thanks again.