see above --- I am very leery of all companies like these . His info was invaluable. I am looking for a 300K refinance and had been looking at most of the the lenders who are on line. I have been eliminating them, one by one based on reviews. I realize that there would be, in some cases, extenuating circumstances but not returning phone call, or avoiding contact in inexuseable. They have asked for a minimum for 100 words so I will begin "padding" this to get to 100 words. I live in beautiful Ct. ,Ct. . It is a great town which doesn't allow children or dogs and on one occasion a pet Rhino. I once had a pet rhino and it was *** picking up after him. I had to use a huge trash bag.