In early July, 2007 I filled out an on-line inquiry for refinancing. I can’t remember the site. I received several responses. I spoke to several brokers on the phone and decided that Mr. Trask Munoz at Ace Mortgage Funding sounded very helpful and set up a meeting for July 9th at 4:00pm. Prior to the meeting, I went over all our financial specifics with Mr. Munoz on the phone. We discussed our earnings, home value, savings, etc. On July 9th, Mr. Munoz established our needs including getting out of a 3-year interest only ARM and... read full review »