we were gong to be okay through this economic disaster until first franklin loan thieves decided "oh, we don't refinance any longer and you have to re-apply for the loan" when we refinanced 5 years ago, we demanded a fixed rate-but as you can see due to this companies underhanded business dealings we will probably lose the house. Do you need a Lawyer to re-finance these days??????? And also the people who sold our mortgage to these thieves are being sued. [email protected] read full review »