Any experience with Fairfield Financial HML?

[Jeff Wells]

We are having such a hard time finding HML lenders to lend in Oklahoma, but one we found will- Fairfield Financial. They are in the BP HML list, but the part that concerns me is the 2000 dollar up front fee. You have to front 2k to apply for the deal, if they REJECT it, you get the money back. If they ACCEPT the deal, and you back out to use another source, they KEEP it. If they accept and you go forward with them, they count it towards the loan.

Any advice?