This company CLD Financial, Marci Kean and Susan Howard took me for a ride with a bougas loan approval of $20.000.00. They stated I had to buy an Insurance policy through a broker Chris Harrison that deals directly with them for $2, 500.00 to secure the loan due to my less than perfect credit so now I'm $2, 500.00 out. I am currantly dealing with the FBI and other law inforcements to catch these scam artists so be careful and do not do business with this company.