Never Again will I trust this person or his company ,CMG Financial for any financing. They are crooks and violated ethical with possible legal violations including fraud. Commingle monies between a customer's contract and your personal handymen ,BTW that exclusively work on your flip or rental houses makes it "too" convenient to hide monies ,creating a major conflict of interest. But their "higher ups" including Regional New England VP, Mark McCauley condone this activity by their employees by explaining away the "vague" term hold back, which they think is a license for these people to steal your money,good times and bad! When I asked their corporate offices for an internal audit on my refinancing contract, they sent me $300 check calling it a "draw" and didn't think there was an issue. When I pressed on, an Attorney from their California Offices sent me a threatening Cease and Desist Letter,to which I replied to STOP the Harassment,which it is considered in all legal circles. Intimidate and then threaten to bring suit on 1st Amendment Rights? read more