From the first contact, I was told my interest rate would be 4.0%. Representitive (Brian Niklas) canceled the closing twice. The first was because they were missing some paperwork. This came after they contacted my current bank (Chase) to get the pay off amount for which my bank charged $30. The second was because the original rate wasn't available b/c the rate wasn't approved until AFTER the underwriters approved the appraisal. A fact that apparently Mr. Niklas didn't know about. And this is what he does for a living? By then... read full review »