Jebsen Funding is a scam. Broker Denis Lo made false promises about the fees and interest rate. Today's interest rate and fees are the same for most loan brokers in the local area. He took this as an opportunity to quote you less in the beginning and charged you higher in the end. He ripped people off that way. We just bought a single family home and did the loan with him. He quoted us $840 in the beginning and charged us $975 in the end for the Lender's fees. When we questioned him why the fees went up, he threatened to cancel the loan. He talked rudely. He told our realtor to do escrow his way or he would cancel the loan. He told us one thing and our agent another thing. He deceived people. He was slow with the transaction because his internet broke down several times. You will be better off doing business with someone else. Please spread the message and do not let him rip you off.