I contacted NationsChoice Mortgage to refinance my home loan early October 2009. Their sales person, Richard Garza, asked me the details of the property and my personal information so that he could send me a Good Faith Estimate. I received the GFE based on the information I gave him and online application that he filled up for me. The agreed rate was 4.875% with NO COST FOR THE LOAN. I received a letter from the company showing the rate and congratulating me. In the mean time I sent Richard a bunch of personal and property information such a... read full review »