They are a lier, it's a wasting time. I was trying to get cash out refinance, first they gave me hope and they seem nice when they talk but they are evil! Specially, the woman I work with, her name is ( SHERRICO JESKA), she's a liar. After make me wait 5 month and make me paid appraisal money($600)before they do anything. And finally, they denied the loan. I wish, I had read the reviews first. When I paid the appraisal money, they said, if Im not approved, I will get the appraisal money back, but after they denied they ignore me... to me they trying to steal my money.