The broker i never met set me up with a world savings loan, misrepresenting the interest rate and terms. The same day my loan was to be funded by World, i tried to cancel it based on the misinformation. Suzie Newman told me that if i was patient for 6 months, she could modify this loan at a great rate with only $450 fee, no closing fees and no prepayment penalty. I BELIEVED HER! Now, 6 months later she suggested almost the same rate with closing fees and prepayment penalty still stays! WHAT A LIAR! in the last 6 months i had several opportunities to refinance at great terms but i waited for her believing her word. Now i am stuck with a terrible loan, prepayment penalty, high interest rate and more closing fees!!! I will be filing a small claims suit since none of the loan people are returning my calls or want to deal with this problem. NEVER DEAL WITH WORLD SAVINGS! Learn from my mistakes!