Impersonal.

Please don't let the pre-approval process fool you, the bond agents do not take the care that Jack does. I was chastised by my bond attorney after the fact, because they noticed that I did not apply for discounts that I was eligible for as a first-time home buyer. The bond agent never asked me what my situation or needs were, whether I could give a deposit for example or if I needed 100% or 105% loan. Found out later that this would have made a difference. They just bull-dozed forward.