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hey whats going on guys anthony angelo branch manager with the tag team so tag team tuesdays the tip of the day is itemize worksheets okay we get so many itemized worksheets sent to us from clientele this is our loan estimate not a loan estimate it says clearly im bold print i just had this today federal depository bank sends over that itemized worksheet this is not a loan estimate please get a loan estimate terms and conditions may vary rate is not locked print so great tool to use as a resource to send numbers cash to close prorations of taxes the actual costs associated with that loan easier to read on the eyes i do love the itemized worksheet but if im a real estate agent and my client is using that as a resource do not hold them accountable in terms of saying this is the true cost because its not the loan estimates gonna show that and so i would cross-reference that with a loan estimate if im working with that partner because you guys are tag team in this deal the real esta