After submitting my loan application for a commercial loan they called the NEXT day to say the loan was approved at very good rates. they had already appraised the property and underwriting. Calvin then explained the process howeverr they needed now a $24,500 application fee for them to write a commitment letter. When I told him that I do not pay upfront fees and I had already been defrauded by Equvest of $10,000 last year. He hung up