These people are real joke. I've dealt with Roque Amadeus Gonzales (Rocky) and Tiffanie Burns. After about a month into the application process, they issued a new Good Faith Estimate, increasing the interest rate from 3.75 to 4.25 and additional credit charge of $1, 305. It was not there in the original Good Faith Estimate (GFE). We went ahead with this increased fee and charge anyway. Now 1 1/2 months into the loan process, they finally sent the final closing papers to sign on 12-20-10 via notary public at our house, who was not allowed to answer any question from us. Now hear this: a day after the final loan documents were signed by us, they want to cancel the whole thing, on the excuse that they need a portion of September pay stub from my wife. These people put the cart before the horse. They ask for supporting documents only after the rates are locked, and final documents are signed! And they refused to refund the $500 appraisal fee we paid. Lenders Direct, good luck enjoying our appraisal money! We hope this warning may help avoid similar loss and hardship to another applicant.