Beware- DO NOT REFINANCE THRU THIS COMPANY- MY wife wanted to refinance our home to lower our payment, to give us some breathing room. They told her that i have more debt than credit, HOWEVER, the loan officer in charge wanted to do the loan in MY name as the first borrower. I told them that the loan would not go thru, but they told us we already were qualifiied, and that we would close on the 31st. Then they got an appraiser who said we would have to put up hand rails on the porch, COST ME 700.00. Got that done. Then they changed the number... read full review »