They took six months for a refinance and quote us much lower closing costs that what was actual at closing. The old loan escrow was paid out to all kinds of accounts like a triple payment made to my homeowners insurance and a double to the township a interest payment to the old loan post closing and three HUD payments after closing and payoff of original loan driving it into a negative number. The new loan claimed the shortage from escrow from all of the overpayments on the old loan and they raised my monthly payment to make up for it. I have... read full review »