Ethan Wagner was not what I expected for a mortgage consultant. He was basically unavailable to get into contact with, did not follow up as promised, and in my opinion, did some shady things with the $2500 credit he advised we would receive. He “used” the credit for interest rates without speaking to me. In my opinion, the credit was a phantom credit they use to get people to go with them. I never authorized using this for the interest rate. I definitely would not use him again. The processor Erika Scott was good, but he was not. Another loan officer, Jeremiah, I had a previous business relationship with and had to contact him to get answers because Ethan was not responsive enough. Again, I definitely would not use Ethan again. I certainly would use Jeramiah if I closed another loan with Flat Branch but no way would I work with Ethan again. He is shady and I feel they owe me $2500 due to his shady practices.