We applied for a refinance and were turned down getting some story about the house depreciating and a problem with the appraisal.I was NEVER told I would loose my $400 deposit, never!!! Now i am charged $325 for the appraisal and get a little over $65 back. Ripoff by a bunch of liars.. High pressure to get my money, then lie about it all!!! I will definately be filing a complaint with the attorney generals office. The people who talked to me originally would not return my calls, i found out on the website there was a problem!!! read full review »