these people have a huge lawsuit already under a different comp name. with the supreme court of NY.www.lawyerscommittee.org/admin/fair_housing/documents/files/2011-03-09-express-home-solutions-complaint-FINAL.pdf they are affiliated with northpoint financial processing, which may be another bogus website. they refer u to chris marino who is the owner of debt free living www.lawyerscommittee.org/admin/fair_housing/documents/files/2011-03-09-express-home-solutions-complaint-FINAL.pdf he also has the websiteahmservices.net/ both which have the same phone numbers.he also has the website new york capital groupnycapitalgroup.com/diyr.html they scam people in to believing that if u pay an amount of money and submit financial info, they can get u a pre approval letter so u can start shopping fo a home. our credit score was not the greatest so they prey on that. they never follow through with there promses. it is a TOTAL scheme!!! DONT FALL PREY TO THESE SCUM!!!!!!!!!!