I am buying a house for my first time, and this was a really bad experience. This company was recommended by my realtor so i went with them. everything seemed fine and the initial greet was great. My broker was very helpful and told me what i needed o do to get in the price range i was looking for. When i finally found my home everything took a turn for the worst. I was handed off to someone else and i became confused on who i should talk to if i had questions. Then when i received my disclosures i did not like a lot of the numbers that i saw. One thing the was really off was the interest rate. I have excellent credit and i know i can be a pain in the butt as a customer. But all i ask for in return is honesty. i had brought the interest rate up multiple times to the two people i was working with. i kept getting a run around and no lock. Well i keep track of the rates and know what the averages are, i went with FHA so i know I'm no going to have the lowest rate but for my credit score i know i shouldn't have the highest. I kept getting "we estimate high so if its lower we look like hero's" and i told them that would not work with me because i have an idea of where it should be. So i started shopping around and was finding considerable lower rates. Even major banks had lower rate with the points they were charging. The excuses i got were : We are faster then them. We will give you the best we can. They charge points. I told them multiple times all i am concerned about is my rate that if they tried and locked me in at a high rate, then i will walk. I was assured that this would not happen. I was also told that everyone else was lying to me. So i waited to see what they were going to do. when it came that i was accepted by the underwriters then sent me my rate lock. it was the same as the discloses, this was on a Monday and the market took a plunge the Friday before. I already had another lender lined up just in case this would happen. So i backed out, I will sum up were we are now. They are one signature away from me accepting their loan. Did not listen to a word i have been saying, and the rates that i have been offered. After i said that i will be taking my business else where they now wanted to work with me. I was explained that they are like Walmart and are going to charge you the most unless you can find it cheaper, then price match. Now they have left a really bad taste in my mouth, i was assured that i was going to get their best. So just to let you know they lost me over .3 percent in the rate. and wanted to act like i was being unreasonable. I also got "its not that much money." I don't care if it was a dollar, i want to spend my dollar I don't need them to spend it. and the new lender was charging me $975 compared to $1500. I know most people will just fallow what they are told, and in some twisted way think the brokers do them favors. I also only herd the branch manager one time and he said " Where am i transferring the loan to." That also was a redundant question because the broker that put me on the phone with him had the info. I hope this will help some people not to get suckered out of their money. Just remember that they need you, you don't need them. read more