Found a hml. How do I know they are trustworthy?

[Amy Solomon]

I filled out the form on realtors.com to be contacted about a property. Someone called me back who was not the listing agent. They said they r a broker but they work for realtors.com. I don't get that...anyone who knows what that's about please explain.

At any rate we got to talking and he said he worked with some lenders and he'd get me their info. He never emailed me, but someone called me from central Florida investment properties LLC. He told me they offer 13.5% rates on loans $50k-$150k. No points. No down payment so long as loan doesn't exceed 65% ltv based on the arv. Up to 3 year term. No prepay before 4 months. This sounds pretty darn good. I hate points. This is only about 4-5% higher than a loan from aunt so and so. But most hml charge 2-4 points and 18%.

I just want to make sure what I'm getting into. They also said $300 appraisal fee and $750 attorney fee.

What do you think and how would check out a lender before doing business.