Please beware of American Direct Lending. They do not keep their word. I inquired online about refinance mortgage rates and was given a Good Faith Estimate rate quote and terms. I dealt with a Calista Calabretta. She seemed very knowledgeable and honest. She offered me a 5.875% interest rate fixed 40 year due in 40 years. I checked out the company as best as I could through the Better Business Bureau and Chamber of Commerce and no complaints. She told me to fill out forms to lock in the rate which I did. I shopped around to make sure I wa... read full review »