First Franklin can not be trusted and be wary of any false hopes offered by this company. After dealing with them trying to refinace/renegotiate before an ARM comes due I have been strung along. They have told me I make too little to qualify (bill to incone ratio escew), next told I make too much (have too much income with same numbers as before), flat told they " don't regenotiate ", been offered another arm, told I must be the only one they have heard any complaint from. With 700+ credit score and never missing a mortgage... read full review »