I scheduled an appointment (on 5/16/2009) to see Robert Lavine after receiving a letter stating that i can refinance my house for 4.48% rate if i qualify. During my meeting with Mr. L, he checked my credit score, which was A+, then he asked me several questions, and for the info. i have provided Mr. L, he assured me that everything will go smoothly and i will have no problem getting 4.48% rate on my mortgage loan, so i filled out the paper work to have my house appraised. I agreed to pay $375 for house appraisal after Mr. L mentioned SEVERAL times that i will NOT have a problem getting this loan approved for 4.48% and after assuring me that everything was going to be fine and that i should have closing in just few weeks, i signed the papers given to me and was told i should get a phone call this week from the appraisal to schedule an appointment.Few days after, i received a phone call from Will Kasey, titled himself as Mr. L''s manager, and was asking if I''m satisfied with Robert Lavines service, and at the time i was. After two weeks, i received another phone call from Mr. Kasey asking if everything is going ok and if we scheduled the appraisal yet, which i had not yet received a phone from the appraisal. Finally, on June 1st i received a call from the appraisal to schedule a meeting on June 5th (3 weeks later). On Monday, June 8th, i called Mr. L to find out the status of my loan application and he told me that because of their computer failure his not able to retrieve the info. on the appraisal, but assured me that he will give me a call back after their computer system gets fixed. On Wednesday, i gave Mr. L another phone call after not hearing anything from him, and he mentioned that he was trying to get hold of me but had no luck, which i found that strange because i knew he never called me, so i was trying to get info. from him on the status of my loan and he hung up on me, i called him several times and no answer, i called the main number asking for Roberts Lavines manager and Mr. L answered instead, apologizing for getting disconnected, and told me that i was not illegible to get 4.48% but 5.35% because my house did not have more than 80% of value, i argued that he assured me everything was going to be fine, be Mr. L just accused me for things i have never said...I had no luck with Mr. L so i pursued to speak to Mr. Kasey (the manager), after several attempts on getting hold of him and speaking to other people that pretended to be Mr. L''s manager, i finally got hold of Mr. Kasey and explained to him my situation, he was able to find the value of my house right on his computer (which was $415, 000) so why didn''t Mr. L check the value of my house with the info. i provided him with and i would of told him right away that my house does not have more than 80% of value, so i wouldn''t of wasted my money on the appraisal that was not necessary. Mr. K was very understanding and told me that he will find out why Mr. L didn''t take the proper steps, why it took so long to get the appraisal done, that he will try to refund me the money we paid for the appraisal (they also overcharge me on the appraisal $415 when it was supposed to cost $375) and he will try to find a program that will fit my need in getting a mortgage loan. Mr. Kasey was supposed to call me the same day and never did, i called him in couple of days and days after with no answer, so i kept leaving massages and i never got any responses.I was mislead by Semper Financial by letting me know that i had nothing to worry about and i was sure to get 4.48% rate after i get my house appraised. Any other bank i went to prier, did not even bother with paper work and appraisal after checking (on their computer) what my house was worth, but this company wanted me to get the appraisal done just so they could get money off me.I got scammed, ripped off, lied to, and left with questions unanswered! This company did not take proper steps.

After going through all this hassle; being mislead, scammed, ripped off, lied to and received such unprofessional service, i do NOT want to do any business with Semper Financial but received my refund for $415 that i paid for the appraisal (which i was told by Will Kasey, Customer Service Manager, that i will get my refunded), i paid for an appraisal which i did not even need!!!