Do not do business with this company because they can not deliver what they promise, they will bait and switch you. I was a former manager who was assigned to quality control listening to calls to make sure the salesmen were not missing any opportunities for sales. I was listening to a call and I noticed that what the sales person was offering was not something we could deliver on as the pricing was not avaialble. The loan officer said we could do a loan with no closing costs at a rate that would have approx. $6,500 in closing costs that day.
I called the loan officers manager to verify we did not have any special promotions or something was going on that I was unaware of and he told me that he had several loan officers that would quote terms unavailable and then they would re-sell higher terms later in the process after the customer had already invested time and energy into the process.
Knowing this was not right I informed this managers manager of this practice and just a few days later I was terminated for no cause. I guess pointing out that we had some unscrupulous loan officers was not the type of quality control they were looking for and my termination indicates this is a problem that goes well beyond just a couple of rogue loan officers.