I started the loan app with Kristopher Van Wiicklen on 11/19/2020 and eventually signed the loan docs on 2/11/2021 but my original loan was not funded until 2/25/2021. I won't get into all the gyrations of excuses I went through with him. But it would suffice to say that I've been a real estate investor for over thirty years, have financed and refinanced multiple properties over the years. But I've never worked with a loan officer who is this deceptive and unresponsive. In the end, my loan cost on a 25LTV property ballooned to $ 6,967.70 as opposed to around $2000 that he had mentioned at the start. And secondly, on the signed and notarized CD, the principal reduction was supposed to be $2303.50 but instead $2,082.76 was applied.. I've sent him emails, left voice mails, and sent a number of TXT message but so far no response. He has been told that if I don't have a response by the end of this week, I'm prepared to take legal action.