On August 25th I was contacted by Silvercerst Loans but I took the bait and sent them $ 770 through a wire transfer through Western Union. After a couple of days when the loan didn't come through I spoke with Terry White (at ext. 169), "my loan officer", and told him to cancel my application and to refund my money. He said no problem but now a month and a half later I still have no refund and now I can't even get through to him. I don't know what else to do but I hope more people find this posting and don't get scammed like I did.