I was reading too many positive reviews unfortunately, and that is the reason i went to Prudent Financial, where i should have read more negative reviews. I got a $50,000 mortgage from them, and that was only because i was tricked into taking this amount by one of the agents. Original sum i wanted was around $15,000, but because i had two credit cards on public record that i was paying through garnishment for past two years, it was recommended to me that it would be better to pay them off as interest is too high. Of course, there were other important things that i needed to pay like property taxes, etc. Fees they took from those $50,000, was $10,000 to them. I accepted it of course, because that was my only option as i didn't have a good credit history, and i had things i needed to pay off instantly. Everything seemed good at first, until i received a copy of mortgage payout funds. They paid those two credit cards i mentioned above more then they should. For instance, i owned $4700 to one creditor, and they paid them $11000. Least they could have done before making a payment was to verify with me first, and i could have argued with creditors. At the appointment before the payout i mentioned this to them, that it should be less, because i have been paying it for two years already through garnishment. But they said that they were just going by estimation until they reach each creditor. When i complained to them about this, they just told me that its my problem and that i should call creditor lawyers regarding this. Which i did, until creditor lawyers started sending me back to Prudent lawyer, and Prudent lawyer again to creditor lawyer. I'm just stuck going back and forth emailing and calling without any positive result. Also i want to mention that interest rate they gave me was at 9.99%, and disclosure rate at 28%, with chance that rate might change annually, and you have to pay a fee of $350 for renewal once a year. My advice would be if you have any other options EVEN one, to stay away from this GREEDY company.