@rebound2014 wrote:
I dare say that if anyone does have an inside track, it would be creditguy since based on the post/comments I've read of his in recent months I get the impression he does actually work in lending. 
If I did, I'd drive a much better car. I work for Uncle Sam and drive an appropriately beat up 2009 Ford Focus.
All I know I have picked up around the shop here, Thanks though