I am a 100% disabled veteran. This company told me they would be able to lower my interest rate. They asked for all my paperwork and I sent it. Then they told me all was good with my paperwork and credit. They told me i needed a appraisal from there appraising company. It wolud be $495 and i paid for it. After the appraisal they said that i was all set the house was worth 60% more then we were trying to refinance. Then i couldn't get ahold of any one at the company. After 3 weeks of nothing from them I got someone to answer the phone finally. I asked what was happening with the loan they said they would find out. After a week of nothing I called them back. Got a different loan officer and he said that I was denied. I was told my name hasn't been on the deed for long enough and it should never have been moved forward to the appraisal process sorry. I ask if I would get a refund for the appraisal he told me he would talk to his supervisor and get back to me. Never heard back from them. All in all it seems like a scam to get you to pay $495 for a appraisal. BEWARE OF THIS COMPANY!