Loan officer (John Pilling) stated that I qualifie...

Loan officer (John Pilling) stated that I qualified far a refinance loan that had a $4500 cash out. One of the Vice President s (Chris Grasso) did the loan application with a loan amount of $10,000 more added to the loan and blamed John for the increase for not adding in PMI/MIP to his quote. Chris also had an outrageous estimated appraisal on the loan application. I told John and Chris several times that the house would not come close to their estimated appraisal. Which could affect me not to being able to get the $4500 at closing. Three days before the closing date, Chris called me assuring me that the $4500 cash out still can be done. That same day, their manger (Kevin Watson) called me to advise me that the appraisal came in at $299,000. Which was $38,000 less than the one on the loan application, and the $4500 cash out couldn t be done. I was very upset that John or Chris didn t listen to me and didn t have the professionalism to call or email me about this, but instead had their manager (Kevin) call me. Another thing that made me frustrated/angry was John, Chris nor Kevin ever answered any of my emails. Kevin also said that he would get me more money (the borrower) at closing for the misunderstanding on the $4500. That never happened. It felt like Financial Freedom Mortgage of Mount Laurel NJ used a bait-and-switch technique to close the loan for commission payments.