I posted a review on the VLS business page on Google. Please refer to that review for all the details. But suffice to say, I had the same experience as others. Was told the loan was pre-approved, paid the 995.00 fee (which was to be refunded if the loan did not receive final approval), loan was not approved and I still have not received the refund after 3 months, numerous phone calls, messages and emails to Steve and the company. I am now filing an official complaint with the Attorney Generals office regarding this company. I would not recommend this company at all and would say to do your due diligence before entering into any agreement with them.