It was the old bait and switch. Very dishonest and I'm disappointed. I wasted 6 weeks of my life. I told the very first contact my needs, 15yr 20% down for investment property. I was told no problem until I actually signed an offer sheet which was accepted. Only then did they tell me that they wanted 25% down. Run fast from these folks.

Thank God I didn't go through with this company. Epple lied about the rate and tried to pressure me into signing documents to lock in a high rate. When I didn't sign the paperwork, he claimed that the rates dropped unexpectedly and I had to hurry and sign the paperwork. Again another lie.