On Mar 30, 2009 I spoke with a loan analyst (Corey Brown) and completed an application for a refinance over the phone. At the time of our phone application, it did not occur to me that a refinance loan with 1.5% points was not advisable for individuals looking to sell their homes within 12 months nor did the loan analyst articulate the % definition. I simply was interested in consolidating our primary mortgage with a HELC. I immediately contacted Mr. Brown and requested that the loan be calculated without points. Once he did, it wa... read full review »