Beware of this company. Their goal is not to fund loans. Their goal is to collect $500 from your credit card. This is done by having you sign a cancellation form that "allows" them to hit your credit card when THEY cancel your loan. I have a 780 credit score and an LTV of 60% and gainfully employed as a physician. This was a slam dunk refinance. What a business! Two thousand of these x $500 and you've got yourself a million dollar company without providing ANY product or service! Save yourself the TIME and money and use a reputable company. read full review »