Daryl Smith is 100% scam artist, he has no clue about the products he tries to sell and he uses foul language when you challenge his views and products, I was refered to him by a friend that he sold a hope dream to, he stated that he could refiance my house in 3 weeks max, which turned out to be 5 months and 4,000.00 out of pocket expenses then come to find out that he never had me approved with a lender and i still have no clue where my money went and had to go to another lender to refi my home
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