It’s very bad. I had to go through a lot with that and he keep lying about the money.He today me the closing cost will be 4.80%but the closing day when I check the paper work my closing cost was 6.1% .when u don’t have good income then you pay 6% but I have a very good income .The agent was trying to take money from me.He thought will never check the paperwork and we catch him . It was $15,000 Dollars.The agent name Shlomo Feierman senior Loan officer NMLS#1073640.