Sorry to hear about your experience. I also warn everyone NOT to deal with STEVE TANDY/Wells Fargo Garden City, NY. He is the most unethical and jackass mortgage loan officer I've ever met. January 2009, we approached Steve with the hopes of renovating our house and availing of the REHAB loan (the only loan I know of that is primarily based on the future home value post-renovation). We asked several times if the loan amount (existing mortgage+construction cost+contingency+closing+gazillion FHA fees) is a realistic/achieveable loan... read full review »