We received a mailer from Embrace Home Loans offering a re-finance. This seemed to be an attractive offer and the representative, Chad Hickman, was very helpful initially on the subject of our refinancing. Oh yes, it would be a great think to do, considering we already have excellent credit. We paid the $375 on credit card for the appraisal. Some guy turned up in a beat up pick-up truck and appraised our home at 1/3 of the price it was worth. Comparing the prices of other homes in the neoghborhood (2 of which have to be sold for very little... read full review »