Do not deal with these people they are crooks! Started my refinance with these guys at the end of April… Then was told that my income was not enough after I had paid for the appraisal 525. I sent all the documentation in piecemeal mind you every time they ask for however when I followed up recently no one could give me a straight answer… It was like they were playing a game. Four months is a really long to do a refi. Do not deal with these guys they are crooks!