In 2008 we purchased another house, and need to refinance our old home. Because the world banks had just had their crash, finance was not easy to come by. We were told by our by our broker that we should take out this loan, and then after a few months, change to another bank. Well, it is now 2011, and we have tried and tried to get out of this loan. Our interest rate is 14%, and the loan is for more than the house is worth. How could this have happened? Also, we have to pay a whopping $14, 000 exit fee. Don't go anywhere near this crowd if you can help it, they are rip off artists.