THEY MAKE IT ALMOST IMPOSSIBLE TO REFI HOME LOAN AT ADVERTISED RATE MY REFI WAS UNDER 40% loan to value. I have been in my primary home over 25 years same job over 30 years. All verifiable income. W2's, signed tax returns, debt to income less then 30 percent, fico score over 800. I was looking to reduce my rate and finance 15 year loan, but nothing satisfied them. It is my opinion that no matter what I did they would make it impossible to get my loan approved in time to keep my locked in rate. They won. I cancelled my loan application and will use my cash assets and pay off my existing loan with bank savings rate paying me .10 percent. This loan company is for the upsell. Beware.