Ripoff is simple, they say they will do a no-cost refinance, and lie about it, they simply give you a much higher interest rate, then get a huge kickback when they sell off the loan(they also say they keep your loan and make money on the interest - which is bulls**t, they only service the loan, Wall Street firms own the actual mortgage) Call around for rates, don't save a couple grand and pay much more in interest over the life of the loan. Also - go to glassdoor.com and you can see how happy the employees are working there lol. Run, dont walk from RP FUNDING.