Well, Pasha tells that they can get a loan but they can not deliver. Pasha says, well we have this program but the borrow has to pay fee of $11,000.00, if the loan and escrow is closed, if not, he will refund your money. Well, it is bunch of lies, Pasha Mirhadi and Mat Mirhadi creates duplicate documentations, which is fraud so they DO NOT HAVE TO PAY YOUR MONEY BACK, if the loan is not funded and escrow is not closed. ANYWAY, MY ADVISE IS BECAREFUL AND HAVE YOUR LAWER CHECK THE DOCUMENTS ARE GIVEN BY AMERICAN QUEST MORTGAGE OR OBTAIN YOUR LOAN FROM RELIABLE SOURCE.