March 2017 to 4/24/17 I explained my entire situation in one call to Mr. Florez. Weeks and weeks after submitting tons of documents and taxes as far back as 2010, I'm told, sorry we have to wait until 3 years after your foreclosure (which I did not have, nor do I have on my credit report). I called 2 other lenders, explained my situation, and was told the same thing in two 10 minute conversations. It makes me wonder, do the lenders get money for submitting x number of files every month...like quotas??? Don't waste your time with this company.