We did not have much experience with funding, and First Down took advantage of that. I guess we should have known that getting approved for anything in minutes is not through. We got approved but it was a lie. Our credit was sent around to multiple lenders and it affected our credit a great deal. They do not tell you that though. They just tell you that you are approved and try to find any company that will give you a loan. They are not direct lenders. Bad idea to use this third party.