Although things started out well, with a great rate and very competitive offer - I was completely transparent on my credit, debts, everything. The lender ended up coming almost 1.0% off the rate upward, at one point disagreeing with the appraiser by as much as $50,000, and, dragging out the process by days based upon some internal squabbling, then using scare tactics, harassment, and high pressure (6 calls in 2 hours) to close the loan.
In addition, the lender had also said the loan was FHA and went conventional, and I was not able to get the cash out I was hoping for (short $8K). I almost called off the deal but was worried I would go through the same hassle and 'BAIT and SWITCH" game again, so I took the loan to just get away. Overall, while the loan did achieve me a slightly better position, I know it was't worth it. I will never recommend Surepoint or Lendingtree again! I will save my money and better my credit and refinance with a more reputable lender.