These people are a joke. There like a company right out of boiler room First 1 person calls you and goes over there script telling you they are "special" because they work with the credit bureaus, and to not answer your phone because the other companies who call you will lower your credit score. At the end of the day not only are there interest rates higher, they are very slow, and not to mention they charge over $3000 in junk fees + everything else so you’re going to pay almost $10,000. They charge $499 underwriting, $799 Admin, $999 processing, $695 application fee, then title, insurance, and origination. Don’t fall for there lies!