HORRIBLE COMPANY!!! HORRIBLE EXPERIENCE!!! This comany (all around California as well as other states) screws their customers, they lie to them... they will convince them that they'll give them the best deal in refinancing their home, and right before the customer signs the papers, they change all the numbers and increase the points, percentage, etc, so that the loan officer gets more money in the end and hopes that the signer will not read or realize it. HORRIBLE COMPANY... DO NOT RECOMMEND!!!