I recently went to lending tree and wanted to get a home equity line of credit. Here comes several crazy offers. Castle Point Mortgage called me and offered me this fantastic deal. They sent everything to me in the mail and followed up with me and told me I had to pay $450 for an appraisal. I asked if I was approved before I paid this amount. I had just bought the house a few months ago and had a current appraisal and they said I needed a new one. I gave them my credit card number and told them to do it since I was approved. A couple of days later they called and said they missed something on my credit report and now the loan offer had changed considerably and it was terrible. I complained and told them I wanted my money back since they did not honor the orginal offer. They said they could not do this now I am $450 more in debt. Watch these guys they are predators. I have recently looked up complaints on them and it seems to be a pattern. I dont understand why they operate like this. My credit report did not change at all during this time. I would like to file a lawsuit against them for all of this BS but it is not worth it at this time. Lenders like this should not be allowed to operate.