I tried to refinance my house to get a fixed rate and to get $10, 000 cash out for home improvements. I contacted Home Mortgage Solutions, Inc. in April 2008 from a mailer and they sent a loan officer to meet me at my home. Over the next few weeks, she proposed a new first mortgage to pay off my existing one, and a new second mortgage to give me the $10, 000. She told me there would be two closings, one for each loan. At the "first" closing, on 6-04-08, I was shown a fixed rate first and $2, 000 cash to me, and I... read full review »