They really do what they say they do. This one is the REAL DEAL. I used another company before and spent application fees all over town. To be quite honest I thought this was going to be the same type of deal. But after I spoke to Jennifer I was pretty comfortable. She said their company “doesn’t need any practice”… LOL. She said they have been around the longest and companies have come and gone and tried to copy them. She said if their company cant get the approval at my 1st choice place, she will put in writing in an email that their company would ACTUALLY PAY ME my lost application fee I don’t have to go thru this anymore. OK, SOLD. And believe it or not, I got approved. Im not sure why I didn’t find them first!!!!!!! You guys have my business and my referral for anyone that needs one!!"