Jseph Nguyen played a major croock roll in ALG Capital. He tricked me to get my house refinanced at 3.0% interest rate, 100.00K cash, no prepayment penalty for 10 years for the new loan, no prepayment penalty for my previous loan (he said new loan company will pay them, at no cost to me). Nothing has happened like he mentioned in his truth of lending document, as above. What has happened that the escrow was completed without my knowledge, my signature was forged, every one got paid off from the loan money and I ended up with no cash in hand... read full review »