Embrace Home Loans, Inc. Made us have a 2nd appraisal in less than 45 days from the original Middletown Internet

My spouse and I used Embrace Loans to finance our new home purchase. They gave us the run around on several occasions - missing paperwork, requesting the same information multiple times, etc. We paid $495 to have our house appraised. It appraised around the $250K mark initially. They drew up our paperwork and we thought we could start the closing process. Nope. We were given a lame excuse and they insisted that we have it reappraised "at no cost to us". The 2nd appraisal was considerably lower (over $20k difference) giving us less equity and PMI coverage for many years. We've been paying over $220 a month in PMI alone. Now, less than 12 months later, we are getting offers from Embrace to refinance our house and they said they could drop our PMI coverage and honor our original appraisal amount. That is highly suspicious and raises many red flags about the company. Sounds like a bait & switch technique to get us back on the hook for a 2nd round. No thank you! I will never do business with them again. I will never recommend to anyone. I think they are corrupt. I plan to refinance with another broker in the near future - they will be local and must come with reputable recommendations.