Don’t waste your time. he obviously doesn’t know what you are talking about and is under the illusion that you walk into a bank and show them cash and they will give you a number off the bat. Apparently he doesn’t realize that every loan has servicing guidelines, investor guidelines, possible MI, etc. So unless the bank does a BPO/appraisal or some type of evaluation AND they know what the net to investor is, there is no way they can help you, even if you show up at the bank with cash.