These guys are crooks! they say one thing to suck you in and then when it's all most done they change their story and now they need more money down and now it's going to be a higher interest-rate. avoid this place at all costs !!!!! Trust me on this. I shopped around don't even bother going to this place!!! Any good reviews you read are from people who work there, friends of people who work there or by somebody too stupid to realize that they were being taken advantage of. Now they are giving me a hard time about refunding my deposit!!