We refinanced our homes with this company with the agreement by their agent in writing and in many emails to refund the closing cost. The transaction is completely dependent on this refund. After the transaction closed, the loan agent mentioned that the refund is in the mail. This was in December of 2008. When no check was received, he lied and said that the delay was due to the holiday. When no check was received by early January 09, I emailed the company and got a response from the company president stating that the loan agent was on... read full review »