It is my opinion that the person with whom you ultimately choose to work is your best insurance of obtaining a reasonable deal. A salesperson who cannot sleep at night knowing he has done unto a client what he would never wish done unto him, will save you more money and grief than an entire encyclopedia of negotiating techniques and an Olympic stadium full of government regulators." From the introduction to the book What Lenders Don't Want You To Know. © 2001 by Kevin Michael Melody