Contacted David Ratti Branch Manager Embrace Home Loans because our realtor recommended him.We are interested in buying a home and needed to have him run credit and let us know what amount we qualified for and what type of mortgage loans would be available to us. We also wanted to know if our credit contained anything that would hinder us in getting a loan so we could fix it. We gave Dave the personal/confidential info he needed to run our credit. We spoke by telephone in the first week of March and he said he would call us the following day with his findings. About 4 days later he left a phone message with out any info. We tried to call him back and got no response to our messages. Our realtor informed us Dave had spoken to him and told him we did not qualify for a USDA loan and that was all he told him. Why didn't Dave call us back, why did he talk to a realtor we have no contract with and did not give permission to disclose any info. to. We have tried to call Dave many many times with no responce. Our realtor has also tried to contact Dave and It has been almost six weeks. We want our info. so we can go forward in our home search. We do not want to take a hit on our credit buy running it again with someone else. It's our info why is he holding it hostage. read more