My mother contacted this company from an advertisement because she wanted to consolidate her credit card payments. She got as far as the appraisal - which she told me she would not do - but once I reviewed her bills I told her that she didn't need this mortgage, we could find a more cost effective way to consolidate. This company wanted over $4,000 in closing costs which was very unclear to my mother. She was only interested in consolidating approximately $20K in debt so this made no sense! She was told that she didn't need to make a payment every month if she didn't want to and that the money in the equity line would grow and grow! What a load of ***! My mother finally told the mortgage banker to call me directly and do proceed (or not) as I directed him. He continued his tactics with me until I finally told him to conference in my mother and she told him the same thing. He actually said on the phone with my mother on the line that unless I had power of attorney that he did not have to take direction from me even though that is precisely what she was telling him. They are using strong arm tactics and are very unprofessional. I only hope I got to this before it's too late for my mother and that nothing else is signed that I'm not aware of.