THESE PEOPLE WILL TRY TO TAKE YOU FOR ALL THAT YOU ARE WORTH. THEY TRIED TO CHARGE ME 14000 FOR A REFINANCE. I HAVE EXCELLENT CREDIT BUT THEY TOLD ME THAT BECAUSE I DID NOT CARRY BALANCES MONTH TO MONTH ON MY CREDIT CARDS IT HURT MY CREDIT--YEAH RIGHT. I SUBSEQUENTLY CONTACTED CITIMORTGAGE AND THEY TOLD ME THAT MY FICO SCORE WAS 773 AND STATED THAT I HAVE EXCEPTIONAL CREDIT AS I IMAGINED. I REFINANCED THROUGH CITIMORTGAGE FOR A LESS THAN 1000 TOTAL. DON'T LET THESE SCAM ARTISTS TAKE ADVANTAGE OF YOU.