They are not to be trusted. They will present very provocative rates and terms to get you to lock in by paying for an appraisal. You feel trapped by paying so much for the appraisal that you go through with the loan. Last minute and hidden fees and changes in closing costs are the norm. I am not alone in this, they screwed others too. Go directly through the bank...everything is regulated now and unless you are the most undesirable borrower, you can get the same rates without the scheming and lying.
Pros: NOTHING
Cons: Will deceive you at every turn
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