THIS COMPANY HAS THE WORST COUSTOME SERVICE ! I HAVE BEEN TRYING FOR DAYS TO GET INTOUCH WITH SOMEONE ABOUT MY REFI. THEY WILL TELL YOU WHAT THEY THINK YOU WANT TO HERE AND THEN DO SOMETHING TOTALLY DIFFRENT. I THINK I AM ABOUT TO CALL AN ATTORNEY. I WILL BE FILLING A COMPLAINT WITH THE BBB. DO NOT DO BUSINESS WITH THESE PEOPLE. User's recommendation: IF YOUR MORTAGE GETS SOLD TO THIS COMPANY REFINIANCE WITH SOMEONE ELSE QUICKLY.