I felt pressured to make a commitment before I was ready, but did agree to paying $500 for the appraisal the first day. This was done after being offered a $500 reduction in the cost of the loan. I have never been sure that I ever got the $500 since it was never shown clearly on the documents. While reviewing documents on the internet I saw a Good Faith Estimate,but was asked to sign it and move on rather than to print a copy for my records. So I did not get a copy until much later. I was not aware of the points to be paid and the true cost of the loan until it was pretty much settled. So overall I believe the loan is fair, but some aspects seemed rather shady. Jim Burger Editor's Note: Thanks for the review. I'm unaware of the exact details of your loan. However, if you would contact me at Kelly@quickenloans.com, I would love to look into your situation regarding the Good Faith Deposit. Thanks, Kelly