HABITAT MORTGAGE COMPANY INC

Description of Work: WE REFINANCED EXISTING MORTGAGE FOR A LOWER RATE AND CASH BACK. THE PROCESS TOOK ALMOST 90 DAYS TO COMPLETE. STARTED IN MID OCTOBER 2002. ORIGINALLY QUOTED ONE PRICE AND RATE AND SCHEDULED A CLOSING FOR END OF NOVEMBER. WE DID NOT CLOSE IN NOVEMBER BECAUSE WE WERE TOLD THAT WE WOULD SAVE MONEY CLOSING IN JANUARY 2003. THIS WAS NEVER MENTIONED UNTIL AFTER THE NOVEMBER CLOSING DATE PASSED. CLOSING WAS SCHEDULED FOR THE FIRST WEEK IN JANUARY AND WE HAD TO CALL AFTER THE DATE PASSED TO FIND OUT WHAT WAS HAPPENING. CLOSING WAS THEN RESCHEDULED FOR MID JANUARY. THE BROKER BROUGHT OVER THE PAPER WORK TO SIGN AND TRIED TO BLUFF HIS WAY THROUGH THE PROCESS. THE RATE WAS 3/4 % HIGHER AND THERE WAS NO CASH BACK AND THERE WAS NO SAVINGS FOR CLOSING IN JANUARY. I HAVE NEVER SEEN SOMEONE SWEAT SO MUCH BECAUSE THEY WERE EMBARRASSED AS HE DID WHEN WE ASKED HIM TO LEAVE AND TRY AGAIN. HE DID COME BACK WITH AN ACCEPTABLE OFFER LATER IN THE MONTH. WE SIGNED BUT WE ARE NOT SATISFIED WITH THIS COMPANY.