Here is how the Mortgage process has been so far...
Leumi: we will give you 70% and you only have to put 20% down to start
Me: Great!
Leumi: ummm.. no we really mean we will give you 60% and you have to put 40% down
Me: WHAAAT!
Leumi: ummmm we really mean we will give you 65% and you only have to put 20% down.
Me: Better but you promised me 70%!
Leumi: umm actually we can give you 65% and you really need to put 35% down.
Me: WHAT! #@#$##!!!!
Leumi: sorry.. This exhibit is closed........
Me: Bank Tefachot .. hello?
Tefachot: Thank you for applying, we will give you an answer in 48 hours.
Me ( 1 week later): Tefachot.. hello? hello?
... and all my friends here in Montreal are getting 95% mortgage approved in 12 hours... ..
AAAAARGH!
