I started the process to refinance my home loan through Citimortgage to get a better rate and thus lower my monthly payment. I was struggling to make the payments of over $1700/month on a $180, 000 loan at 6.75%. The sent me to WCS Lending for the refinance. They are located in Florida and I am in Texas. After months and several 100's of dollars to pay for a appraisal. They offered me a 5.37% loan that would cost me $10, 000 in fees. It lowered my payment to $1585/month. So I took it. Six months later they have an AHA moment. They were... read full review »