5. The first thing he tells you is that the last four brokers he worked with were crooks

4. He objects to paying for an appraisal wanting to know why you can’t accept the property tax value

3. He refuses to sign a fee agreement

2. You’ve already received the same loan request from 2 other brokers

1. He tells you he’s already been approved for a 30 year loan at 80% LTV at 5.5% with no points and wants to know if you can beat it.