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Check with your state rules and IMO's default. Between those two issues its practically impossible for me to sell MOO in my state.
Yes, but can't use appitical with it and if you don't use appitical your asking for your client to be PHI'ed when your not there.
Strange. So as I understand they will conduct a random phi on any app submitted without a pos phi and that is about 1 in 10 apps?
Does their e app give an immediate approval or does it go through the same process as a paper app with no phi?
Way more than 1 in 10. More like 7 out of 10.
I prefer to just do the phone interview and get an answer!