My experience with Prospect Mortgage was horrible. The broker would say anything to get you started in the process, then would not communicate anything along the way. Inquiries go to his support staff who also do not respond I feel the broker did misrepresent several items to me, in order to get me to go forward with the mortgage, when I otherwise may have waited a little longer I was also promised a $500 credit which did not happen We missed the original closing date due to delays from Prospect Mortgage, and I did not have a formal approval until literally the day before the initial scheduled closing Overall, the worst experience I have had with getting a mortgage (this was my 5th) to date. I will never use them again, and will be looking to refinance and go with a more re*****ble company as soon as possible