They do not train their employees and since the market has dried up and they cannot sell the teaser loans which is all they could ever sell they cannot get any business. The owner does mailings across the country to the same people all the time. I worked for this patathic company and beleive me they are all clueless! The owner has no idea how to run a company and to see him he looks like a drug user. NEVER USE THIS COMPANY TO GET A LOAN AND IF YOU GET A MAILER FROM THEM TOSS IT! GO TO YOUR LOCAL BANK TO GET A LOAN YOU WILL GET THE BEST RATE FROM THEM.