EC Financial (mortgage broker) called me and convinced me to abandon a deal I was about to close on with another bank, to refinance through them with flagstar bank. We went through the prelimiary stuff, signing the RESPA docs, a $350 appraisal and all other info requests. We had the rate locked and we were 'good to to go' to use their words. We had the appraisal and have not heard from them again. It cost $350 for the appriasal and now no-one calls back and I can't get in touch with them. read full review »