They don't care about you it's all about the money they can make from your transactions. They only return phone calls when it it fits in to their schedule so that can mean days or up to .2 weeks. If you have have lot of time on your hands and your willing to go down their path of refinancing it can take 18 months. Then be careful of what you end. up with because they can't be trusted. I know from my persoal experience. Feel free to contact me at 714-319-5005