I had worked with Beshoy and Joanna Chavez trying to refinance my loan. Everything was great and they worked hard to earn my business over my current mortgage company which was trying to have me refinance with them. All was great until the loan did not close on time.. which was going to cost me an additional 2k in interest. Premier Option Mortgage was no longer able to follow through on their promises and I backed out of the refinance as it no longer made financial sense for me. They blamed me for delaying the closing although there was ample time and I was never forewarned that the closing would not occur on time as promised. After I backed out of the loan, they got very nasty!!! They will still not give my current loan company the FHA number so they can proceed with the refinance after multiple calls to them. Other false promises that the company made include they stated that they would reimburse my appraisal fee regardless of whether they were able to proceed with the refinance or not as they were confident they would earn my business. After the deal fell through, they are stating that they never stated that and will not reimburse for the appraisal as they had previously promised. Also, before I pulled out of the deal, Beshoy had promised that he would pay $500 towards the first payment and later told me he never said that. Luckily that was in writing and then he pretended he did not remember. BE VERY CAREFUL... GET EVERYTHING IN WRITING. THEY WILL GET VERY NASTY IF YOU DO NOT CLOSE YOUR DEAL REGARDLESS OF THE REASON WHY!!!!!