These punks tried to get me to go with them for my last refinance. At the beginning it sounded alright until they started going off about some bogus credit score exception thing. Then at the end of our call they said I should guard my credit and not answer my phone because as soon as I did these other companys would do a hard credit pull. There company was "special" they worked with the credit bureaus. All right like they are a special mortgage company. They were so special that they charged over $3000 in junk fees. Those junk fees plus everything else was over $8000 for a $180k loan. Dont fall for there tricks. There are so many other quality companies out there. They dont want you to answer the phone for anyone else because they will get blown out of the water.