JFQ Lending is the worst company i have ever come across. They play you and play with your mind and your hard earned money. All their employees are big liars and are trained by the conman cum boss John J Kresevic himself. The terrible agent assigned to me was extremely unprofessional and reckless. He either lost forms or sent my personal information to someone else or told me he contacted my old bank, which he never did. Finally when I thought I was done being traumatised, they changed the terms and conditions. How ridiculous is that? Please stay away from them. A lot of people warned me but little did i know, JFQ Lending is full of scammers and conmen.