This company is beyond horrible to work with. First, after accepting the stated percentage rate and agreeing to refinance with them it took 3 months to get to the paperwork. When I questioned them about the time frame they simply told me the mortgage market was overloaded right now and it would take some time to get the paperwork through. When I spoke with the reps they said there would be a 2 month lapse in mortgage payments while everything was processed. The closing paperwork showed a first payment due the month following the closing (closed April 2nd payment due May 1st). When I asked about it (over the phone of course) they said there would be a transition time while they get a lender to take the loan and not to worry about it. A lender funded the loan in early May and I started my payment to them on 1 June. The middle of June my loan was passed off to another lender so now my payments have to be made to them. Now they're saying I'm a month behind because I failed to make the May 1st payment! So now I'm expected to come up with an extra month payment. I will never work with this company again and I will put my experience out at every review site I can find!