Xpress loans 911 is a major scam!! Andrew of Xpress loans sent me a term sheet for 15% down at 6-8% interest on a 30 year loan in which I had to pay 1,295$ commitment fee. Once I paid and went through the loan process with Rory Fernandez the underwriter , the week of closing they told me they couldn’t find a loan with those terms. I was calling them multiple times a day to make sure everything was ready for closing and they still dropped the ball, and now are just keeping my money AFTER THE OWNERS Robert & Jill Berg said they would refund my commitment fee if they couldn’t find me a loan with my terms. TERRIBLE COMPANY THEY WILL KEEP YOUR COMMITMENT FEE AND NOT FIND YOU A LOAN !!!!