Underwriting and Closing

Evolve Bank & Trust contacted my son by phone this date and convinced him to refinance his home with them based on a form that I filled out via the internet just looking for information. The online form wanted his SS# and I didn't supply it. I was not even sure that the form went anywhere due to the missing information. But they called him - from California. We live in WV. I have no idea if they are licensed to do business in WV. I have no idea if they are a bank. They talked my son into charging almost $500 on his credit card and they proceeded to email me forms...several emails followed. All the forms have to be printed out by us and returned to them within 3 days...which is a rush by anyone's standards...when external documents they require have to be secured from external sources. I am smelling something like a scam...too fast...money up front...couldn't mail us a packet...He doesn't even have a computer or internet ...so what if I don't have enough ink to print out all this stuff...we certainly don't have time to gather up all the information they want and mail it back to them in 3 days. I also read that they do all this and then refer you to a Mortgage Broker which we can do on our own w/o a middleman. I would appreciate input.