These people are scam artists and liars!!! BEWARE!!! Extrememly dishonest. They advertised 5% for 30 years with 20% down, a $295 immediate down payment toward total costs of $1, 300. After I signed up, the fees kept coming all the way to $5, 560.00! plus changed to 25% down, plus 2 points up front (1 point over what was quoted to sucker me in). Their response, read the fine print. This is BAIT & SWITCH after they have your money and you're locked into the scam!! Bob Glazewski lied every time we talked, and the manager, Fran, said "if you think your getting any money back, there's no way that's happening". They were also slow at getting the documents and may have cost me the home. They also got a company to return a low appraisal for $295 and then said I could have a better appraisal, but I would have to pay an additional $500. These people need to be shut down permently. It looks like preditory lending is rampant with this company.