The company used bait and switch. The loan was raised four points higher than the contract stated. The home loan monthly bill went up 500 dollars not including penalties and interest. The company completely lied. I lost my home in forclosure. My credit is now in the poor catorgie. They did want to reset the loan. I lose alll equioty in the house. They resold the house for a profit. This company is a total ripoff. They are based in Irvine, CA. They bait you to refinance. They only paid off a few bills. Then they increased the points by four. They are a real bad company. read full review »