Submitted a commercial multi family loan through their representative Gary Olcha in Georgia. They produced a pretty extensive LOI. They required an upfront deposit after issuing the LOI to continue processing. The required deposit was wired per their instructions to Colorado and also paid for an appraisal. Two days before the date set for closing they ceased all communication and just plain refused to answer the phone or e-mail. Their "corporate office" is nothing but an executive office suite in Englewood CO answered by an automated system. Their supposed CEO, a Mike Kidwell, has refused to respond to multiple attempts to fix the situation. We were suposed to have closed on Dec 31, 2010 and have yet to hear anything from these people. They have ignored a demand for a refund of the fees. This is theft, just a classic advanced fee scam.