If you have been surfing around on the internet for refinancing options, somehow this company MIGHT call you. I was searching banks and somehow they got my number. They use very convincing pushy people and then after you don't even get a chance to talk so they put you thru to one of their "loan officers"? Her name was Victoria. She went through all our finances. I had been in a debt repayment plan, she instructed me to GET OUT AT ONCE BECAUSE IT WOULD BE A BLACK MARK ON MY CREDIT. Then she made an appointment for one of their VP's? to come to our home the next evening. She made me gather all the pertinent paperwork to be ready for them. We cancelled appts for the next evening as we were anxious to get some sort of refinancing done and we thought this was our chance. On Financial Freedom's advice in order to get our refinancing through, I immediately got out of our debt repayment agreement. We waited the next day and I thought it a bit peculiar that no one called to confirm their upcoming appt for 7 that evening. I called at 4:40 and was told that they only call if there is a problem, there wasn't so the vp would be there at 7PM. No one showed up! I called at 7:30 and after being passed to three people they just said "you dont qualify"!! I was incredulous! They had every detail and I was told everything the day before!!! I asked why they did not call us and they had no explanation. THE LOAN PERSON I SPOKE TO THE DAY BEFORE was "in the wind" impossible to speak with. NEEDLESS TO SAY DO NOT GO NEAR THIS COMPANY, THEY ARE SCAM ARTISTS AND SHUD BE TAKEN OUT OF BUSINESS. BBB "A" RATING MEANS NOTHING!