They will pre-approve you then get a credit card number and hit you with $35 non-refundable fee. First and immediate step is they will set up an appraisal - at 150% above market - charge your credit card - again non-refundable - then the stalling will start, re-requesting of documentation to be faxed - it will takes months and that will end in no communication and no loan - This is not the company you want to do business with - they are the worst of mortgage broker industry. read full review »