I had a good experience with UHM itself. I had a double refinance with Loandrone simultaneously and after the close of escrow on the first mortgage, my then mortgage broker, Pai Jai totally cut me off and would not return multiple phone calls. He ended up canceling an already approved loan and also canceled the appraisal that I had already paid for. The appraisal company ended up refunding me my money back. All this occurred and was done by Jai Pai without consulting me or without my approval. In the 40 years of buying, selling and refinancing properties, this has never happened to me. I was simply thrown in the toilet and flushed. In fact, since the 2nd of July, I have still not received a phone call or any other form of communication explaining what happened and why my entire refinance process on the second loan was abandoned. This was extremely unprofessional and down right rude. We never exchanged any harsh words or had any type of argument. I did make certain corrections and had a few good ideas that Jai Pai acknowledged and was in agreement with. I am now working with a different Mortgage broker with a different Mortgage company. I do not want to work with Jai Pai ever again or with Loandrone because of what one of their employees did to me and got away with it. Due to the fact that I do not like controversy or drama, is the only reason I did not contact the licensing board. George M, Sterling Jr.