We were contacted by this company several weeks ago about combining the 2 mortgages we have - one being a heloc with an adjustable rate. We provided all the info and were told taht the mortgage would be refinanced into one under an FHA mortgage which allows a 125% loan to value. Received the paperwork and realized 1. that the property adress was dead wrong and 2. the refinance was only for the 1. mortgage - the fees totaled almost $13, 000!! We contacted Fidelity only to find out that the HELOC could not we included since we took out money over the last year. We made that fact pretty sure when we forst talked to Fidelity. Well, things went downhill from there - the 'manager' tried to convince us to refinance anyways - going from 15 years (less than 10 years left to 30 years and using the 'savings' of $400 to pay down the HELOC or refinance the first into a 5 year ARM - NOT!!!
Bottom line - be aware of those people- they give you hope for a few days and than comes the big surprise!!!