Mike,
If it was some like 10 or 15k I could understand their position but $2300. I'm not even going to entertain the foolishness of NVR Mortgage. My wife and I have pretty much had it with these people and pay them no mind anymore.
Starting Score:TransUnion: 698 (12 FEB 2010), Equifax: 674 (12 FEB 2010)
Current Score (Lender Pulled):TransUnion: 684 (12 SEP 2016), Equifax: 696 (12 SEP 2016), Experian: 679 (12 SEP 2016)
Goal Score:All scores All scores at least 700+ by December 2017!!
Take the FICO Fitness Challenge