Mid Valley Funding

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I was in this business for 12 years. When I retired Mid Valley did my refi for me. I used an officer other than Miguel,so I cannot vouch for him however to bash a companies reputation over one agent is ludicrous. The ever changing guidelines and legalities are brutal. In addition, the software systems have been very difficult to keep up with. It took me, my loan officer, and the escrow officer to acquire definative figures because everything was lumped into the origination fee. That software has since been updated. In all fairness, had your final HUD1 been reviewed by management, which is standard protocol, he may have offered a refund in haste and later found he would have made little to no money, And otherwise had to pay broker fees to have done your loan. You may inquire with a tax pro because most cases you may use this as a deduction if you itemized, which you would have if your a homeowner. I believe you were patient in waiting for responses however one officer, whether he was not as knowledged as others, should not dictate the integrity of any company as a whole.