Do not do business with these people! They are horrible. They do not communicate or follow through on anything they are doing, and they outright lie to their clients. As a result of their negligence and incompetence, I am going to lose my house to foreclosure, even though they advised they had reached a deal with the mortgage company to reduce my rates and clear my balance. They are greedy, self-serving, bold-faced liars. STEER CLEAR!!