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What are the codes of practice and policies on responsible lending? [link widoczny dla zalogowanych] Ask About Our Principal Reduction Program My husband called quicken asked about loan for a home. Talked to friendly agent, he asked a few questions. "Sure you are pre approved for fha loan for 100K." We got my q set up and started looking for a house. They suggested a realtor who we used. We told him where we wanted to live because it was close to my daughter's school and we wanted to stay close to and liked the area we live in. They said that there would be no closing cost. Great, we would be able to move into a house instead of living in an apartment. Now they need documents which we send and then the agent says "well let's meet in person" at one of the houses that he had emailed to us. He had emailed us several and we picked out some that were close to us and had enough bedrooms (3) and a backyard and basement. The agent says" meet me at 7 pm." Well we were there but the agent was late. He called and said he ran into traffic. Ok I know he was probably telling the truth because he had to come down a road that's very congested around the time he was coming. He gets there and he has his daughter with him. No biggie because we have our daughter with us.