I wish I can give them no star. I lost all my app fee and admin fee because I changed my mind after I got approved (I reply them on the same day). But wait......they try to charge a risk fee on me $800 non-refundable that they never ever mention before I apply. If I know I have to pay $800 non-refundable risk fee I wouldn't apply for it. The reason for the risk fee is because of my status. Try to talk to them they still won't refund the admin fee back. I understand app fee is non refundable. does that mean they can charge people risk fee because of bad credit, status or other reason. Yes you are approved but now you have to pay $800 risk fee before you move in. Oh, you dont want to move in anymore, well you can't get any of your money back, even you reply in 24 hours.