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You have two mortgage brokers here

Two brokers and what Dave calls with affection, a "retail rep".

who have brokered hundreds, maybe thousands of mortgages,

Have not counted but I think I'm nearing number 1,000. Time to get out of this business. But working for a TBTF bank has its perks. Thirty hour work week (9-3), unlimited expense account, huge taxpayer funded bonus at the end of the year, profit sharing, stock purchase program, and the public's love & respect when I say I'm a mortgage banker.

telling you that it can't be modified.

True dat.
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