Intercontinental Capital Group Internet Mortgage Company Is ICG a Scam? New York, New York

We wanted to refinance our home to a lower rate and a lower mortgage payment.  We began the process with ICG.  Initially everything seemed okay.  They asked for the typical paperwork.  The only unusual things were that the account was passed along to several different people in the company.  We kept getting emails to notify us that our account had been passed along to a different agent.  

Also, we told them we were comfortable e-signing the documents.  As we went through the documents e-signing them we noticed the last page had several check-boxes that were not checked.  Things like, "This 'is' or 'is not' a variable rate loan" and "There 'is' or 'is not' a prepayment penalty associated with this loan."  I notified our agent-at-the-time that the page was blank. 

She said we should go ahead and sign it and she'd check the appropriate boxes after it was signed.  Uhh, no.  Don't think so.  She offered to FedEx the packet.  We completed it and sent it back FedEx.  We got a call that the appraisal was scheduled and we'd need to pay the appraiser out of pocket.  We paid for the appraiser online and then did not hear a thing from ICG for a long time. 

Just about the time we were going to call or email the company, they emailed to notify us that the whole team that was working on our application was no longer with the company!!!  A couple of days later we got a call from the guy we'd spoken with initially.  He said he was no longer with ICG but was going willing to go ahead with the refinance - we would just need to fill out all new application paperwork. 

We were wary of the whole situation at this point, we're already out $400 for the appraisal-that-was-for-nothing and were wondering who the heck we were involved with.  Two days ago I get a call that they cannot do the refinance after all!!!  I asked why and the guy just kept saying he wasn't able to.  I said, "So we just flushed $400 on an appraisal?"  He said, "Yeah, I'm not going to lie to you."  I asked again if he was able to articulate a reason why it could not be done. 

He said our 10 acre property was zoned agricultural (it's not!) and that I did not tell him during our initial conversation that we had a ten acre property with an old barn on it but I had!!!  Why the heck would I lie about that???  I feel so foolish for having gotten involved with this company in the first place.  A simple Google search would have revealed what scum they are before we lost our $400.  I'm wondering what sort of a scam they're running.  I plan to contact our state's attorney general's office.  DO YOURSELF A FAVOR AND STAY AWAY FROM THIS COMPANY!!!