IEM brokered a refi loan on my property on 9/28/06. I closed on the loan but realized I did not receive the type of loan I asked for. It was an Option ARM loan at a high rate. I had no debts but a car loan and a credit score in the high 700s. I wanted to rescind the loan. To prevent me frm doing so, Mr. Puteri of IEM said he'd MASSAGE the loan and make it work for me. He said “massage” was an industry term; he knew how to talk to banks to get them to change the loan; advised me not to keep this loan for longer than two yrs; told me to refi again in two yrs. I went back to IEM 2 days ltr for a 2nd closing at his request. I resigned docs, crossing out and initialing the 1st date and signing the new date. I was not told the loan had a three yr prepayment penalty (PP). This contradicts the advice not to keep the loan for more than two yrs. IEM in fact called me in 9/07 to refi again at “better” rates.IEM never disclosed they were to get $14,662 (a YSP frm lender for putting me into a higher rate loan w/ a PP) and had reduced some of that amount to give me a slightly lower rate. Had I known this I would have never gone back to sign new docs. IEM falsified docs and photocopied my sigt. Various pages within my closing docs were signed twice but only reflect one signature and one date in my lender’s copies of the closing docs.