I received my offer in the mail and was immediatel...

I received my offer in the mail and was immediately suspicious, so I went online to read reviews. The message that stuck out was that the super low rate referenced on the flyers (3.5%) was actually not available. I asked about this when I called and I was assured that if I qualified, I could get the advertised rate. The qualifying credit score was 740. I met the criteria so I proceeded. The next day they called me and told me I qualified for the 3.5% and began reading off numbers to be. They read off my debts and escrow. Then they got to the closing costs. THE CLOSING COSTS ARE $9,800!!!! That is insane. At this I started saying things like, are you f**king serious?! Who signs up for this? It turns out this is an FHA loan and that s why the rate is low and at least partially why the fees are high. If you qualify for a conventional mortgage don t waste your time. This process was insulting.