Nothing but loan sharks. They prey on poor people like myself who are in need of financial help. They promise to do everything to help you then when they get your deposit they take it and run. With no way to get your refund back you are out $500. They put down on the Good Faith estimate that my house was worth a lot more than it was. When the appraisal came back lower than that they said they could not finance the home but kept my $500.
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