I assembled the information within a 48hr period in order tocomplete the refi application and he said everything was in order.He asked for my credit card number to arrange the appraisal.

Questions and answers went back and forth regarding personal info on the loan application but there was no word on status and closing schedule.October came and still no word about closing and I was wondering whether the rate was still good.I sent email.More than 30 days had already passed. He apologized saying he was in hospital with pneumonia. He sent me the appraisal and it indicated the value as more than 3 times the amount that I was looking to refinance.

Then silence.November came, I sent another email inquiring about status and whether the rate was still good and he said there were corporate red flags and they want to know why my drivers license showed a Annapolis address.I explained that I have never had a DC drivers license because of insurance rates, I own a weekend property in Annapolis and I use that on my license and my car is registered with my siblings address in Maryland.He deemed my explanation as a good one and then more silence even though I sent emails and left vmails.

December came.Rates were going up from their lows in September and I was suspicious and asked and pleaded for information. He gave excuses, said he would get back to me and never did.When we finally talked well into December, he said my refi application was flagged for fraud.I was incensed and accused the company of screwing up and was looking to back away from the commitment and accused them of being fraudulent.I asked what the basis was, the address on my driver's license?

He had his supervisor call me and I told his VP or so he claimed that I deal with bankers and asked for their opinion about what I was experiencing with GuaranteedRate brokers and it was laughable.I told his supervisor that it's obvious what happened, that if Anthony Cummuta was sick that no one followed up with the file and that they screwed up my application.There was no communication or transparency.He didn't admit any fault, and then wanted to know if I was still interested in refinancing and I said I had a 5.25% fixed rate and published rates were already above this in mid December.

I can live with my current mortgage and can pay it off early if I want so I have other options but if I was in a more dire straight, I would have been totally screwed by these bozos.This outfit and/or this broker, Tony Cummutaare a joke, totally unprofessional and have no idea about servicing customers at least in my case.Be careful with faceless on-line companies thinking that they care about the customer.This one apparently doesn't and all they did was just make excuses by sayingmy application was flagged for fraud, all because of a driver's license address being different from the home .

Steve, Washington District of Columbia