First of all I wish I could give zero stars. This is probably the worst experience I have EVER had with a company. NEVER USE THIS COMPANY! You will thank me later.
They do bait and switch tactics and ask for unnecessary documents. They lied that my appraisal was done incorrectly because they didn't like how high it was and refused to move forward until they ordered a new one. I wasted so much time and money due to their fraudulent business practices as it relates to my appraisal. The process was an absolute nightmare. I thought things couldn't get worse. I was wrong!! THINGS GOT A LOT WORSE!!
I recently received an e-mail from one of their corporate counsels who told me how sorry they were about my experience and that a lot of improvements had been made since my refinance attempt. She told me about their "top" loan officer who she could put me in contact with to tell me more about their process improvements. In the meantime, she would look into the issues I stated I needed answers to. I was even told they now close loans within 30 days (the loan officer, Kara, even bragged some were closed in 7 days).
To cut the long story short, I agreed to a call with their top loan officer, Kara. All Kara cared about was selling me on a new refinance and she could care less about the issues I expressed I had in the past. She was pushy and displayed passive aggressiveness. She tried to get me to move forward with an application and I told her multiple times I was not comfortable with moving forward until the issues I raised were addressed. Guess what? Kara pulled my credit anyway without my consent, a CLEAR violation of the FCRA and an illegal practice. She even assured me during the call she would never pull my credit without my consent. She later admitted to doing so without my consent. If Kara is the top loan processor, I can't even imagine what the regular ones are like. I am beyond upset. I cannot believe someone could do that. Imagine how any others people they have done that to. Thankfully I had a credit monitoring service that notified me. Beware of these illegal practices. The CFPB, FTC, and other enforcement agencies will definitely be hearing from me. STAY AWAY!!