Back in October of 2007; I was TRYING to get are-fi on my mortgage .. Along came a mortgage broker; Fidelity Mortgage Direct; who PROMISED and in writing, a 2.45 % interest, fixed rate for 30 years . They sent me a "Good Faith Estimate", "Truth in Lending Statement", "Florida Mortgage Brokerage Agreement", and "Loan Application" .. with THOSE figures on them. When it came time to close; the figures were a 8.35% Interet rate, an ARM, with a Pick a Payment that increases my mortgage every month IF I... read full review »