I was ripped off on a refi by this woman. She sold me a 1% loan at her old company Fidelity Funding (or fidelityrates.com) . She swore up and down that it was 1% fixed not an arm. When in reality it was not only an arm, but the balance went up if I only made the 1% payment - meaning she lied to me. I thought I had a 30 years fixed rate loan and what I got was a pick a payment loan. i am taking her to court if I can find her. She belongs in jail. She charged me 4 points on the front to supposedly buy down the rate and then there were... read full review »