Beware, They will offer you a loan at a good rate, but will ask for some money up front. Then after they get that they will inform you that because of credit ratings they need another additional funds to process your loan. When asked to just return the funds, they replyed that they would but it will take 10 days to process. After that they will never answer your calls and when leaving a bogus name they may answer then when you tell they what you want they then place you on hold then disconnect you. Beware of any mortgage company that ask for funds up front sent by Western Union.