We had a very disappointing and frustrating experience with Loan Simple. As first-time home buyers, we were very clear about our budget and expectations. Loan Simple initially provided us with a closing disclosure that aligned with what we had discussed—specifically, that seller credits would cover most of the closing costs and that we would only be responsible for the down payment. This was one of the key selling points they used to win our business. However, on the day of closing, they suddenly increased the required amount by $6,000 to $7,000, claiming it was due to an “error” on their part in the earlier disclosures. Despite it being their mistake, they made no effort to rectify it. We were put in an incredibly difficult position—either walk away from our dream home or pay the unexpected cost. Of course, we had no choice but to proceed under pressure. This kind of last-minute surprise is unacceptable, especially when it comes from a company that markets itself to first-time home buyers. The process was full of empty promises, misleading information, and a complete lack of accountability. I strongly discourage anyone—especially first-time buyers or those refinancing—from using Loan Simple. Their practices are misleading, and they do not stand by their commitments. Please be cautious and consider other lenders who operate with transparency and integrity.