I called to find out if there was a refi program we'd qualify for. I was armed with all of the necessary financials (adjusted gross income, property value, current mortgage balances--even my credit score!) but the rep would not even talk to me about a program without pulling my credit report. I told him I didn't want my credit pulled, just wanted to know if they had a loan for me based on the info I gave him. He was very vague and said they *might* have a program but needed to run my credit first.

When I pushed back, he became rather condescending and told me "it sounds as though you want me to tell you I *don't* have loan program for you" (when in reality, I was just being up front about my financial situation) and then was very happy to hang up with me. Apparently, I was wasting his time.

I'm glad I didn't spend much time and energy with this company. Don't waste yours.