1 /5 Shelbie Owens: Scam. I applied at the end of September to three lenders. Within a week I heard back from two of them, AFN through Willie Morgan being the third. I finally get a text after around 10 days to check for an email and I don’t have any emails, finally get one. I respond within the hour and they take another two weeks, when I get a message from Willie saying he tried to call. I have no record of an incoming call from him. He gives me his number and I call him. He asks if we’re buying resale or property, and then says he’ll call back the following day. I’ve received no call. I messaged him and keep getting told “I’m sending the email now”, I’ve even verified my email. I called again and he said he would resend the email. I STILL have no email or info for approval. Not to mention he’s seemingly been kicked out of a first time home buyer group on Facebook recently.