Hi. I am manager of apex #1711 operating as davie mortgage group. I went down to apex to meet them all when i started my netbranch. They were all very nice. The compliance lady we dealt with was very kind and put or 2 loans thru asap and we were paid within 3 days. However, the same thing reported in above posts happened with our next 2 files. I have some concerns about it for the obvious…… ‘backdating’ and original GFE is FRAUD. Ordering us to do so is fraud. Holding our money hostage unless we do so is also dubious if not illegal. On the other hand, i understand their concerns regarding bait and switches that they can get sued for. If there is no Apex, there are no netbranches. We can ALL help the situation by making sure we disclose all fees , and if the loan or fees change at all , just get them to sign a new gfe . No big deal. signing the gfe at close also helps Apex not have to pay all these fines. Its a 2 way street. Lets help our employers by doing what we can -and Apex can help us by PAYING US …. lol….