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None. Back in XXXX XXXX, I apply for a mortgage with a local Mortgage banker called Academy MORTGAGE BANKER IN XXXX New York. My broker after doing his due diligence and 2-3 weeks of forms, pay stubs,2 years of tax returns and all required documentation for myself, my wife and my son, said that I will get you a mortgage of up to {$300000.00}, so congratulation go ahead and start looking for a house. ( Emailed me a pre-aproval letter ). ( WE WERE RENTING A HOUSE AT THE TIME THAT WAS GOING TO FORECLOSURE ) and found out that there is an Auction on the house that is going to be on XXXX XXXX in the front of the town hall, so I called the broker and ask him, if we can go to the auction and bid the House, can we get the Fund within a Month if we won? he said absolutely go ahead and bid. so m