They offer a $500.00 closing cost program for mortgages and refi's. They pursue you to death. Then they warn you if your appraisal doesn't come in your rate will go up 1/4 percentage point. Naturally your appraisal doesn't come in so your in for higher rate. Then they DON'T tell you that there is a desk appraisal where if that doesn't go through you have to also pay PMI and come to the closing with thousands of dollars in cash. We had credit scores in the 800's and still went through this baloney with them. In our opinion they "stole" our $400.00 application fee and screwed us out of getting lower rates elsewhere with another company. They should be closed down for fraudulent business practices ASAP. We're going to try to sue them in small claims for our money back. If you've had similar experiences be sure to post here and let's shut 'em down!