Provident Funding!!!! Provided me a post christmas gift that I did not anticipate.

12/22 On Thursday of last week I submitted a complete package as instructed.

12/23 Contacted by negotiator countering offer giving us till Tuesday to answer.

12/27 Accepted counter and emailed negotiator new Hud1 and contract

12/29 RECEIVED AN APPROVAL!!!!!!!!  

This is by far the fastest approval I have received.  If any one else has experienced anything like this let me know.  I hope this becomes the norm for Provident Funding and is not some type of once in a liftime experience.

Thank you Adam with Provident for the Christmas gift.

Oscar Lopez