I hope that someone reads this before they get involved with this sham operation. Initially they come off as professional and that they are there to help. But in order to get help you have to send them $650.00, which is not too large a sum. Their idea is to work with you on getting your interest lowered so you can save money. You get on the phone with one of their "expert" consultants and together you talk to the bank about lowering your current rate. I should have known something was up when my female consultant posed as my wife... read full review »