Morgage broker David Query mislead me on serveral matters regarding my refunds for a refinance of my home. This company's employs real estate agents that are unaware of current HUD laws and mislead me in to beliveing I would receive substantial refunds if I refinanced my home mortgage with his company. David Query is a liar and does not look out for the consumers best intrest and when he was addressed about the problem he runs and hides refuses to take call. Please think twice before using this company or any of it's so called real estate/mortgage brokers they will stab you in the back.