Push sales people convince you into something after you say no, the costs are too high essentially insuring that the loan is an excellent idea and you would be crazy not to do it. He also claimed to have checked county housing trends and comparables to be able to assure me that we had plenty of equity to do it. The deposit is not disclosed until you agree to do the loan and it is "a commitment to do business" and "will be refunded at closing". He neglected to state that if the appraisal (which was not supposed to be a problem... read full review »