INTEGRITY MORTGAGE CORPORATION

VERY IMPRESSED. WAS ABLE TO QUICKLY GATHER THE PAPER-WORK AND SUBMIT THE REQUEST IN WHICH ALLOWED US TO SKIP TWO MORTGAGE PAYMENTS. THEY COMMUNICATED CONSTANTLY AND RESPONDED TO MY PHONE CALLS IMMEDIATELY. VERY EASY TO DEAL WITH, AND MADE CLOSING SMOOTH AND PAINLESS.

WE BEGAN OUR REFINANCINING APPLICATION THE BEGINNING OF DECEMBER AND ARE STILL WAITING TO CLOSE AFTER HAVING BEEN PUT OFF AND RESCHEDULED THREE OR FOUR TIMES ALREADY. WE WERE FIRST TOLD OUR CLOSING WOULD TAKE PLACE THE SECOND WEEK IN DECEMBER AND HERE WE ARE STILL WAITING. THE FOLLOW-UP FROM OUR REP. HAS BEEN NOT VERY GOOD AS WE SEEM TO ONLY GET UPDATES WHEN WE CALL OR WHEN THEY CALL THE DAY BEFORE OUR SCHEDULED CLOSING TO SAY THAT ITS NOT GOING TO HAPPEN, THEY ARE STILL WAITING ON PAPERWORK FROM THEIR HOME OFFICE.

CHRIS LACAVA WAS THE GUY I DEALT WITH. I TOLD HIM I WANTED A 30 YEAR FIXED AND HE SAID, "NO PROBLEM". WHEN I GOT THERE HE SAID HE COULDN'T GIVE ME WHAT HE PROMISED AND JACKED THE INTEREST RATE UP BY 3 POINTS. HE SAID THAT I HAD POOR CREDIT (WHICH I DON'T) HE WAS VERY PATRONIZING AND SAID MY DEBT TO INCOME RATIO WAS TOO MUCH AND I ONLY HAVE MY HOUSE. I WENT SOMEWHERE ELSE AND WAS ABLE TO GET THE RATE I WANTED.

THEY WERE VERY RESPONSIVE AND GAVE ME 3 DIFFERENT OPTIONS TO CHOOSE FROM. I DIDN'T FEEL PRESSURED.

THEIR PRICES WERE VERY COMPETITIVE.

AFTER I PUT TOGETHER THE MOUND OF PAPERWORK REQUIRED TO REFINANCE A HOUSE, IT BECAME APPARENT THAT THE REPRESENTATIVE I WAS DEALING WITH WAS LOOKING FOR ME TO ALSO REFINANCE MY DEBT. I MADE IT CLEAR THAT I DIDN'T WANT TO INCLUDE MY OTHER DEBTS. AFTER THAT NEVER HEARD FROM THE REP AGAIN. I WENT THROUGH FAR TOO MUCH TROUBLE PULLING TOGETHER ALL THAT DOCUMENTATION--ALL FOR NOTHING.