I just want to warn anyone trying to do business with this company, save your money, time, and grief, because this company will not work for you . I was trying to get refinanced for a lower rate, they did not return phone calls, or e-mails, they wanted upfront money right away, and than worked with their own appraissal company, who in turn contacted another appraissal company, by the time this was all done and they get the appraissal back in their hands, they have your money already and of course need you to send them a signed paper right away concerning this appraissal before you see it, than BOMB SHELL !, oops were sorry the appraissal came in too low, so oooooooooooo unfair, but nothing else we can do for you, and that is it, months you have lost here, and money, all for nothing, I beleive as well that the appraissal group they choose to work with to find them appraissers, are all in this together, its like a scam, I know the appraisser that came out to my home did not write up my appraissal properly he made numerous mistakes, and on top of it all he did not find a decent comparable to match my home, when you try to seek action with any of these people afterwards you only get threatening letters telling you that no one should contact any of these people, they are protected professionals, and licensed, never making mistakes, soooooooooooooo just move on, if you are someone who really is trying to conserve your money and use it well than don, t waste your time here, because these people are the only ones making any money here and in this day and times I figure its a pretty sizable racket they got going on here racking it in on peoples hard earned money getting these appraissals done, I doubt that there are many that get passed that point .