Nation's Choice was the most unprofessional company I have ever refinanced with. Steve Sinodis and his employees never returned emails, took 3 months to close the refinance, and lost my cashier's check once we were at the end of the most difficult and stressful refinance I have ever encountered. They forgot to include hazard insurance which I asked for, as well. Please do not waste your energy or money with this company. They make lots of promises which are never kept.