wE ARE SO GLAD THAT WE WERE ABLE TO GET A GOOD REFI WITH THIS COMPANY....they have it all what it takes to make a smooth transaction and get the job done well and promptly. We are very satisfied with the outcome of oiur new loan...we went from an adjustable rate that was up to 8% !@!!!! and we got a new fixed loan for 4.3% for the next 30 years!!!! How we got stuck in that bad situation in the first place I dont know we are just so glad that we got with this company and that they rescued us from this bad laon!!!!