CLASSIC BAIT AND SWITCH! We have excellent credit and applied on 1/28/2021 for a loan with our current lender and LoanUnited.com at the same time and both offered a 1.75% rate on a 30 year mortgage which was unheard of but true. We went with LoanUnited because James Nobles was nice/knowledgeable and the closing costs were slightly lower. LoanUnited approved our loan on 2/15/2021 and sent us notice it was approved. What James Nobles didn't do was lock our rate and misled us that he had done so. When we continuously asked about it he said not to worry that we were approved through "blah blah blah" lender and the closing date was scheduled for March 12th. When we started pushing him for proof of the lock he started lying and trying to put us off then he went completely silent. We called the office and were hung up on by others including when we asked for Sushi Gulati the "owner"? Bait and switch is when borrowers are promised attractive terms upfront to win your mortgage business but then fail to deliver those terms when it comes time to close your loan. Changing terms at the last minute when borrowers are desperate to close their loan. In our case we should have just signed the rate lock loan estimate with our current lender at that 1.75% rate and it would've been locked and our VA IRRRL refinance would've been done by now. Instead LoanUnited has cost us thousands of dollars with their extremely dishonest practices. I'm reporting them to the Consumer Financial Protection Bureau and VA because they are preying on our Veterans and using the VA IRRRL program to do so. STAY AWAY AND LEARN FROM OUR MISTAKE!