These people are incompetent, uncertified, and outright dishonest. I received money from them for a home purchase. They told me my interest rate was 3% and that I did not have to worry at all about the fluctuation of it. I only had to give them my information and once I sold the house they would reevaluate. Well none of that happened I got half of what they promised but I was demanded to pay them $4,000 up front, Know why? The money that they lend is coming from other investors that do even have the money to give them yet. Scam.