Ms. Brenda Ramsey of Starlite Funding / Aapex Mortgage informed me that I was eligible for a mortgage after she pulled my credit report and requested a $450.00 application fee for the appraisal and processing, etc. She emailed the application 3 times before it had the correct amount of the loan listed. It was grossly overstated the previous times. After she recieved the fee, she forwarded my application to another individual and told me she couldn't do the loan due to the information on my credit report. She cited mortgage lates as the casue. The late payments on my credit report were the same before and after I provided the application fee. Therefore, if the mortgage lates were the cause, then she should have denied me before acceptance of the application fee.
Although the application stated Aapex Mortgage, Ms. Ramsey's correspondence was under the name of Starlite Funding. Therefore, I didn't find any problems with the company when I performed the initial search on the company.
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