Listing agent to Tim: "If you use our bank we'll give you a huge credit"
Tim to Bank: "If you can be competitive I will use you"
Bank to Tim: "Sure, but let's not put it in writing just yet as rates might change"
Tim to Bank: "I need in writing the terms of the loan so I can get this paperwork done"
Bank to Tim: "We are going to suck up all those credits in fee's we neglected to tell you about before when you asked about them"
Tim to Bank and Listing agent: "ummmmmmmm... eat sh*t"