I wanted to refinace my mortgage to consolidate my debts. I started with giving them permission to do credit reports so they know all about my obligations. Then they request my W2 and two years of my filed taxes. They said it was accepted with conditions.This process started about May 1 2017. After many phone calls with getting very little answers that were very vague. They said things were looking good ordered an apprasil for $425.00. The appraisal was done 05/23/2017. To my surprise after getting upset with getting no firm answers I called 05/30/2017 Was told Loan was denied. That day I get in mail Dated 05/02/2017 Loan denied so they knew from 05/02/2017 put me through hell charged $425.00 apprasil fee if the loan was denied 05/02 why was an apprasil orderd. Stay away far away from this company. There sales practices are far from ethical. I am now disputing apprasil fee refund with my bank credit card. Want to make sure no one else goes through what I have experianced.