If you are shopping for a mortgage or trying to refi do NOT go here. I can really only speak for Steve Kucirek - and his boss who I had to involve on more than one occasion - but trust, he is bad news. He laid it on SO thick at the outset, both for my refi of my house and the purchase for my condo, he provided me me with a "steep" estimated cost worksheet assuring me that in the end, it won't be that expensive to refi - he just likes to "overestimate" - but it was even more! It was a VA home loan that I was refinancing - he will sell himself as a veteran looking out for other veterans. BS. I had to keep him on track, then he would accuse me or my agent of missing things or faxing the wrong documents which was completely false - it was truly so bizarre - after a few weeks of complete radio silence - I had to call him text him email him multiple times before he got back to me on the status of the refi - he had just let it fall off his radar, by that time I had lost the original rate and they had to run my credit again. They also told me I no longer needed the 500$ appraisal (which I had been saying from the start) but in the end when I finally threw my hands up and pulled out of the refi because it was SO inflated - I couldn't get that 500$ back, for that appraisal THAT NEVER HAPPENED. He is such a greasy salesman, incredibly rude and shockingly immature. These are predatory practices and West Gate should be ashamed. read more