Quote from @Spencer Cuello: Warranties are a scam.

Most borrower's fall prey to bait and switch or scams because of this.

Maybe they think it's a scam or something.  

The duo skillfully concealed their fraudulent activities, ensuring that their victims remained unaware of the impending collapse.Seeking Justice and Rebuilding Lives -The Brian Dozier Con Artis scam serves as a stark reminder of the dangers that lurk within the world of investments.

Sub2 is "the" scam of the day, maybe as much as 1% of those attempting it have legitimacy, I am probably being gracious at 1%.... 

~Is this a scam?

They definitely sound like they run a scam business and that's unfortunate and yes you were the sucker in this deal.

Quote from @Aaron Stairs: Has anyone used them and are they legit.I spoke with them they offered 100% financing if you pay them 3900.00 first to become part of there group with no guarantee that you will be funded  sounds like a total scam!!

The whole credit score thing is such a scam.

I was nearly scammed by a seller in the US who I met in person, met his "associates", toured the property with and everything, but my tip off to do more research was that he was against using a third party to hold funds in escrow even when I said I would personally pay all associated fees and noted that it would not delay closing at all.