These people are the most scrupulous type of mortgage brokers i ever came across, it cost me $30000 to refi and get stuck with an even worst rate then I was before. Do not refi with them or even get a loan, they will say things like oh you cant get 1.2% loan but what that does is ADD to your house principal. And when the Loan to Value ration goes over 120% you LOSE YOUR HOUSE.
Be specially wary of Rick Calabro, Senior Mortgage Consultant.
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