Has anyone gotten a rate quote from Fannie or Freddie this week since the 10 year took a nose dive? 

@Joseph Cacciapaglia's answer really hit it right on the nose for me. 

Others have theirs in underwriting, or maybe deeper pockets than the rest of us, or a nose for deals, or maybe the advantage of having grown up in a certain area, and knowing everyone.  

@Jeff Tallard hit it on the nose.

@Natalie Pilkinton - Long time no see, its been about 10yrs or more.

The relationship is fractured, and there is a high chance one (or all) of the following will happen:1. 

It's not that they "won't" do it, you'll have to pay out the nose for it.

Either way, earning interest makes me pay through the nose at tax time. 

So I run to the car, grab my voice recorder, run back the porch, shoved the microphone under his nose and said, "now since you have so much to say, say it in the microphone". 

.$28K is all Exterior (Siding, Roof, Light Landscaping) and Interior (Kitchen, Bath, Light Drywall, Minor Plumbing Repairs, Paint, Trim) but this number is bumped up a few K like I mentioned earlier.Right now this is part-time but we are working to make this a full-time endeavor and should do so within a year assuming the market doesn't nose dive like it did in 2007/2008.