Rex Credit insists on an 8% down payment fee paid up front outside of closing. So, for a commercial mortgage, they want $80,000 wired to them for every $1MM before the loan even closes. We asked several times for money to be escrowed with an attorney and they refuse. So, basically, you have to wire them $80,000 before they can prepare docs and send you $1,000,000. BEWARE!