Accredited Home Lenders is a horrible loan company. They are lying theives, they lie to their potential clients with lower interest rates to try and get them to use their company, and they don't pay their employees. I learned this the hard way, found out they changed my interest rates, and the loan officer I was using said they didn't even pay him for what should have been a $5,000 deal for him. Please stay away from them,.... they are a very dysfunctional, dishonest company. Did I mention they are horrible?