This is an inaccurate attempt to slander my impeccable online reputation. I have been in business for over 10 years, always return phone calls and never charge an upfront fee other than a credit report fee. Real reviews can be seen below http://www.homes.com/Mortgage-Lenders/1300855/Roger-Young/#endorsement http://www.zillow.com/profile/Peyton-Mortgage/Reviews/ read full review »