David Manning with Rhema investments llc is an ex-con and a current con. He has been stealing money from investors, appraisers, environmental companies etc. for years. He takes the money from people and never does any work to get a loan. He is a perfect scam artist. Smooth. Don't ever forward any money to him in advance. Get on a conference call with all lenders to verify approval. Get a letter in writing from the lender for the approval. Any mortage broker that charges upfront fees is not worth their salt. They should be like the rest of... read full review »