We, myself and my spouse, are trying to refinance our home and sent a request for lenders through LendingTree.com on 7 September 2008. On 8 September 2008, Davin Palmquist from Mortgages USA contacted me. We signed and faxed the contract and all other requested documents to him by 12 September 2008 along with $350. After that, we were told that we would be eligible for a loan of $114000. A week later Davin informed us that $114000 would not be possible, but we could refinance for $101500 or 70% of the home's value. After this, it became increasingly difficult to contact him. For two weeks, at the times we were able to contact him, Davin came up with multiple excuses as to why he did not have any information on the refinance. Then, on October 1st, he informed us that the company could not refinance the house because it was up for sale a couple weeks prior to the start of our attempt to refinance. This process damaged our credit and put us in a financial bind. We are still trying to reclaim the $350 fee. I would not recommend this company to anyone.