This broker should not be your first choice. This isn't a lending company, it's a broker out to make money not to secure a client base. If they do have a client base it's due to those clients not going out for other pricing options. I came here first for a refinance and advised Anthony Barcenas that I found a better deal and to reimburse me $450 charged to credit card for Appraisal since appraiser had not come out yet. He guaranteed me the same closing costs as the other company was quoting me minus a $1000 credit. Figures were discussed over e-mail and he insisted an estimate of $2700 give or take. I couldn't pass that up and the appraiser came out and once final disclosures were out Anthony was charging me the same amount as originally quoted, $6000 in costs. The fees he charges are astronomical in comparison to other places. $6000 vs $3000? He did not keep his word and I cancelled my application with Anthony Barcenas and ate the $450 charge. My e-mails are the proof. Avoid this middle man and go straight to the source.

First choice lending are the best !!!