Stay away from Wizard Lending! I've been scammed by this company. They took my money over 10 months ago, did nothing and refused to reply to my emails whenever I ask for a refund. At first I was told by one of their associates, Shannon Skalada, that it will be really easy to do a short refi and that they will do it in a couple months. It's been more than 10 months since and they've done nothing for me. Loren kept telling me that he will do a loan mod and that it's not a problem at all getting it done. That was 6 months ago and he's been silence since. I'm still trying to get my money back by working with the enforcement authorities this time.