There should be a rating of NEGATIVE STARS !!!The person we dealt with did not acknowledge he is the primary person in the company because he knows he is not truthful.We are not newbies in mortgage in refinancing my husband in real estate and me have had a few houses in the past. We trusted him because he teaches "mortgage" class in refinancing school in the local mesa az!! It was not 'right " from the beginning. We were given preliminary approval based on their "income /debt ratio when I asked for a paper showing my qualification, i ws expecting a calculation, instead they gave me a paper that is typewritten with a generic saying who the lender and that it is 'preapproved". I gave it the benefit of the doubt though my gut is protesting. Then throughout the process I kept asking for the interest rate then they will go back to him to ask what interest rate I was quoted. The secretary will not say anything that will contradict what your agent will tell you. They sent an appraiser on saturday dressed like he is going to the bbq. I voiced my concern with my wife but still she insisted to continue. Then when asking for HUD settelement after we were approved (in email sent by the secretary and speaking with this gentleman), we were sent this generic paper that again is not legal. When I asked for a "real" HUD closing statement I was then told 2 days after I WAS NOT APPROVED. This is a front for an appraiser company or they are related to one. DO NOT USE unless you want to waste money or time. We lost our precious time, and $500 in appraisal.
I was also told " dont lock" because YOU WILL BE then locked into getting this mortgage when ready means I have no choice but to enter into refinancing once I locked in. shady shady shady...
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