Lorrie played us and we fell for her gimmicks when it was time to buy our first home. Beware of Lorrie folks, she is insensitive and unreasonable. She cares about her pocket and is not bothered if you run into debt, her customer service is zero. Lorrie fronts and champions gaining you as a customer, once you get locked in, she suddenly becomes unavailable to attend to your concerns. Do not patronize Lorrie and the company. Worst ever!