@RN67 - I have a name to use for that if you want/need.
Got brave after reading multiple success stories with WFNNB, so I found a fax number for them and dashed off another GW letter. Let's see how they do.
TU - 618 / EQ - 603 / EX - 630something perhaps maybe?
---
Primary goal: FHA 1st-timer's minimum of 620 across the board ASAP
---
End game: mid 700s across the board at some point in the next couple of years
