I recently had the unfortunate experience of applying for a loan - actually assisted my elderly mom - and the loan advisor walked us through the process and requested a $500 lock down fee during that process. Well, after we were transferred to the loan processor we decided that we no longer wanted to continue. Reason being was that the loan processor was not only rude and short with us, she also requested over 15 documents that were too much trouble and to us not worth the time involved. So we wanted to stop the process. Well guess who wouldn't refund the $500. They did absolutley NOTHING for us and refuse to return my mom's money. This company can go to hell.