This is and email that will hopefully save people a lot of Money. The Steltmen group/ virtual branch is not a mortgage company. The main business is taking your monthly fees. The following : The are not backed by a federal charter. ( They could not supply one when my state asked for it.) There fees on each loan approach $2300. Bteween them and there broker. FHA are done in violation for the law. They are not a mortgage company at all. Broker to to broker to broker The source is Nations Funding Source. Ypu can go direct with no montly fee. They... read full review »