Non-conforming such as ALt-A? Try Wilmington Finance. Their rep is Craig Rothstein. I will get the number tomorrow and post it here for you.
God, you use Argent? They are known for absolutely butchering appraisals in underwriting. It's almost common knowledge these days. I can distinctly remember losing a good half dozen loans due in part because of appraisal issues. Especially in light of the current state of the housing market, I would've never sent those guys a loan.
Dirk goes to bat for you when it comes to appraisals, asset verification, and leins on title.
If all you're limited to is First Franklin and Argent then I would do whatever it took to get signed on with Equifirst.
Just an opinion, hoss.