Everything seemed fine in the beginning... I worked with Kay Larue, and she was extremely nice and professional. My fiancee and I were interested in some FHA programs that were going on this past summer (2013). We knew our credit needed a little work, but we were hoping to learn exactly what we should pay off first in order to qualify. She gave us a plan, and we let her know it would take a couple of months. A few days later, I got an alert from Credit Karma - for THREE hard inquiries IN THE SAME DAY. I was a little perturbed, but whatever - all we had to do was pay off a few thousand dollars worth of debt, and we should be right where we need to be, so who cares about a couple of inquiries?Fast forward to 3 months later: We paid off more than we needed to, and I called Kay to see if the programs were still available. I specifically described the programs we had looked at, and after she found out files (which took about 10 minutes of being on hold, along with me suggesting that maybe she filed each of us separately because we still have different last names), she had copies of our income for reference. I told her what price range we were looking in, and she assured me that as long as the credit was where it needed to be, we would have no problem getting approved for the programs. So, I took her word as a supposed professional, and let her run our credit again to make sure everything was in line. BINK- another two hard inquiries (that's 5 total, folks).The next day, after communicating our approval amount to our real estate agent, we started to look for houses. Then, when inquiring about what sort of payment we were looking at for a particular price range, Kay suddenly realized THE PROGRAMS CHANGED. Yes, the programs that I verified with her BEFORE running our credit again. Apparently, it changed the income:mortgage ratio so that we would have to look for houses almost $100,000 less than what we were expecting. Needless to say, this is a huge difference in Bakersfield. We wouldn't want to live in an area in that price range, so we had to abort the plan after months of diligently working toward this goal, and completely change the trajectory of our lives. Now, this isn't completely her fault, however, I could have gone without the 5 hard inquiries on my credit -- two of them for absolutely no reason other than Kay's lack of knowledge and professionalism.