I had to charge $499.00 to lock in percentage rate. I was told thoughout the process that I would be getting the $499 back. Josh reassured me I would getting that amount back. At closing I was shown that I would be recieving $250.00 back for a padding. I closed on 12/10/10 its is now 2 months later and I have not recieved anything nor will they return my calls to Chris Bradford at Fortis Title which Meredian ownes. I have called the owners James Assali & Paul Ferris with NO responces from anyone. At closing I was also told that I would recieve a copy of the closing papers for my taxes. I have not recieved those also. these people are liars and thiefs I wish I never met them.