Save yourself time and money, go to a different mortgage company, one that, oh I don't know...CAN PAY IT'S EMPLOYEES! Residential Finance or RFC as it's known it going down in flames. Fast. Recently they had to buy back a bunch of mortgages apparently due to some kind of fraud, instead of paying with cash on hand (because they have none) or taking out a loan (their credit must be appalling) they did what any drowning company does, they used PAYROLL to to make the payment and forced employees to wait another week for their paychecks. Sadly, no one who works there was surprised because they constantly screwed up paychecks, it became a running "joke". Meanwhile, they have been dumping Branch Offices faster than the Titanic took on water. The HR Department is MIA. Instead of telling people what to expect as far as insurance and last paychecks, etc. goes they refuse to return phone calls and never answer their phones. They just cut everyone's insurance off without any warning, still waiting to hear from them about COBRA. Is that even legal? Hello? Hello? Too busy hiding from ex employees I guess. They deliberately screwed loan officers out of their commissions, letting them do all the work, then take the food out of their kids mouths at the lat minute. Seriously? Who does that? Oh yeah, financially unstable companies do. Whatever you do, do NOT give them any money, do NOT give them your credit card number for an appraisal. Do yourself a favor do get involved with them at all because one way or another they will not be in business for much longer. The question is will it be because they are totally bankrupt or because the Banking Commissioner shut the doors.