I went with Consumer Direct Mortgage due to a no closing cost refi which did in fact turn out to have closing costs. I started working with Callie Smith who was supposed to collect my information for the underwriters. To say that she was clueless would be giving her too much credit. I finally got her supervisor John Capone who said he would get it straightened out. He took over but could not manage the process either. I made several calls to Jay Davies my contact person and he stopped responding to me. Bottom line, a bunch of incompetent poorly trained employees. I would give them zero stars if possible.