We got national choice through the bankrate.com. We decided to refinance our mortgage from 4.125% to 3.5%. She told us we cant make it on time for the papers work. We try our best do to it as fast as, we can. She propose several loan options if we dont like it, she will return our money. We check the new loan proposal and we dont like it because either the rate to high or she charge lender fee. We sent her email "we are not interested with the new loan proposal" We just want to move on and get return our money $495.I hope some one out there read all of these review before go to this company. There so many lender company without charging fee! Why we should go with these company! Lernt from our mistake font waste your time and money!