I applied for a mixed use refinance through PHH mortgage. They approved me and set closing date. However, they later informed me company representative made a mistake and they don't even offer mixed use mortgages. They charged my credit card 500 and refuse to return the money to me. Clearly, a bait and switch scam that they have perfected because once you call them and try to resolve matter they get really cocky and belligerent and basically tell you there's nothing you can do about it. read full review »