I was assured that with my high credit score and enough equity that closing my condo in 30 days would not be a problem. The communication got worse the farther into the process I got, where phone calls and emails were not returned, but when I did get a hold of them they reassured me that I did have conditional approval on the loan these things just took time. 4 days before the condo was to close I was anxious that they hadn't finalized the loan yet and was told by Jennifer the loan processor that she was "100% certain" the loan would go through. The very next day, 3 days before the condo was to close, they called and said that they were denying the loan. I am now out $5000 in earnest money, losing the opportunity to buy the condo and I am pretty certain that First Financial Services couldn't care less that they couldn't come through on the loan.