Do yourself a favor and DO NOT deal with this dishonest bank. They promised me a loan as long as I could come up with the first 6 months payment up front. I did that, sent them almost $2000. Then the day that they are supposed to disburse the loan to me they call and demand ANOTHER 6 months prepayment, for a total of the first year's payment up front. THEY CHANGED THE TERMS OF THE LOAN ON ME AFTER THEY GOT MY MONEY. Here's the real kicker: I told them I could not come up with another $2000 and I would just like my money refunded. They said I would have to wait FOUR weeks for them to give it back! I HAD JUST SENT THEM THE MONEY THE DAY BEFORE! Deal with these crooks at your own risk!!! Just one more bank that couldn't care less about people.