The only help I can provide is to warn you (and everybody else) away from Country Loans. On other loan officer forums, I've commiserated with other people who got swindled by them, and the common complaint is that they basically just tell you whatever you want to hear to make a sale. A bunch of LOs have told me that Country Loans told them that they're a California lender selling off their out-of-state leads. Being in California, they couldn't use that on me, so they told me that they're a commercial lender selling off their residential leads. When they even tailor who they are to the person they're talking to, you know you're dealing with a company that's got a problem with integrity. They told me their leads were double-verified within 24 hours, yet none of the 50 or so customers I spoke to had ever heard of Country Loans, and loads of them said that they hadn't been in the market for a mortgage for several months. If you ever consider using them, check out their Better Business Bureau rating (a "D" right now) and look to see what other LOs say about them on the various forums. You'll find that I'm not the only one who got burned.
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