Thank you,in hindsight I did over simplify the amount of work done, we counsel applicants in the loan application process; we do analyze debt & income to determine potential loan amt ; in addition we also discuss all programs applicant may be interested in and which they may also qualify and we complete an anti-steering worksheet with the various programs of interest to the applicant;we also prepare and send out VO's, collect tax returns if self-employed or at least provide a list of all other documentation needed... we do not provide advance disclosures ...all of this gets sent to the broker &/or bank
This I believe would take us out of the RESPA section 8 violation...do you agree?