Lucky for me, my husband works in mortgage so I had been told what was legally required. They dangle a hard to believe it's true rate in front of you and then refuse to give you a good faith estimate. They try to get you to make an appointment for a loan appraisal before giving you the good faith estimate. They actually told me to just print the rate they show on the website, that that would be our good faith agreement. SO illegal. They did get $35 dollars out of me. (The only money they can legally ask for before giving me a gfe). GRRRRRRR read full review »