I disagree with @Jay Hinrichs. The chance that they are scammers is not 97%, it’s 100%. (Just kidding, Jay. 🤣) Real lenders get their fees when they perform, at closing. Though this firm says their up-front fee is refundable, what do you think the chances are that they will actually honor this promise? I’ll say 0%. Real lenders use professionals, including legitimate title and escrow or closing attorneys, as well as vetted documentation. This is in your interest as well.
