When going through them to re-finance they had the best deal as far as monthly payments but when you add up all the fighting you have to do to get them to honor these prices it's not worth it. And now after I agreed with them about this loan discount fee before I settled, they told me to treat this like paying points b/c that is how they are able to achieve the cheaper/lower loan/payments. This would be find if they were viewed as paying points b/c at least at the end of the year you could deduct them from your taxes but b/c of the legal... read full review »