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Bait & Switch
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Applied for loan through LendingTree.com. Submitted all info, including credit score, home value, mortgage value, mortgage term, etc. Got a quote from HPF for 3.25% and no fees or closing costs on 15 year loan. Called them to follow up. Dennis Moore asked all the same questions and then gave me a "deal" at 3.5% if I paid a bunch of fees. There was no way my answers should have generated a higher bid. Not only were my responses the same, but they're top notch - no debt, over 825 credit score, under 50% loan to value, etc.
This is some weird kind of bait and switch where they promise you a great rate, but never offer it.
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