I was promised to have my $495 appraisal fee refunded if the loan did not go through. I was working with a guy name Jason Landeen, after submitting every thing that he asked for, he assured me that I would be approved no problem. They sent an appraiser out and charged the $495 fee, I repeatedly asked him to make sure that it was refundable if for some reasons that the loan is not approved. And he said that his company is big and that they don't do that. After about a month, with all the phone calls. Finally, they said that I don't have enough income after just a few days ago he said I qualified and that he sent docs in to underwriter for processing. Now they don't want to refund my $495. I will make sure to post this information to every website available to make sure that they don't do this to others. And of course, I will make sure that BBB, consumer affairs are aware fo this as well. Also, I just refinanced with Greenlight 3 months ago, I was qualified then, but not now.