You have to juggle all of that at once. We are not a bond market driven traditional mortgage Company. Once the bond yield climbs over 5.75 it's all over for those guys . I think we wear a badge of honor to be able to stand up and recognize those guys in whom we can poke holes all day long. If they can't acknowledge us that's fine.
Ignorance is bliss.
But we have been a mortgage company for the last seven years and we'll be around another twenty years. This is just a phase in the big picture. Nothing is a secret on the Internet. You are like an open book from cover to cover. Your competition comes to your website like salmons trying to spawn upstream.