I completed an assignment last month for Bank #1 for a purchase. Everything about the sale and assignment was normal. I got a call today from a LO at Bank #2 about an equity line on the property. I called back assuming it would be an easy way to get on this bank’s list by doing a new assignment with “recent data”. When I got this guy on line he was demanding and very rude. He wanted to know why my license wasn’t included with the report and said he needed me to fax it to him ASAP. He also said he needed an additional comp because comp #3 sold in April and was too old. When I told him I didn’t like his attitude and if he wanted a report he needed to fax over an appropriate order form for a "new assignment" and I would charge an appropriate fee. He got even ruder and said no way was he going to pay a fee because his bank doesn't charge customers a fee for equity lines. Click. I hung up on the rascal. One of the perks of self-employment. He’s yesterday’s news now and doesn’t exist anymore in my mind. The borrower left a message about an hour later and was very polite and curious and simply wanted to know what he could do. Question. Since I have never done business with Bank #2 and my only relationship with them ever was this brief, nasty conversation, does anyone see any problem with me calling the borrower and recommending he call bank #3 which does great equity lines for no fee to borrower, but pays for the appraisals.....they see it as an inexpensive way to get a new customer. Bank #1, the original lender does not offer equity lines. Can Bank #2 in any way be considered a "client" in this instance?