Almost all the lenders I had talked to up until my Quicken loan's guy either did not know what they were doing or they did not care. My wife talked to him first and told me, "you really need to talk to this guy... he's is impressive." The truth is... he was. Things change all the time in the lending industry and what I remembered from buying a house years ago was not enough. I'm glad I trusted him. After I closed, I felt like I had lost a true friend.