Responded to a letter I received about this company and checked the reviews and they all sounded great. Made contact with Luis Smith who in turn got Jake Smith on the phone to "convince me" that I need to proceed with the refi on my home. I sent them ALL my personal information based solely on reviews such as here on this website and after they ran my credit, got all my personal information. I never heard back well at least for 2 weeks. Luis wrote back to me stating he had the flu but him or Jake would get back to by next day and that was Feb 28th. It is now Mar 19th and still nothing from these people. This company is a fraud and i'm quite certain my info was sold on the deep web but i'm a disabled veteran so I really don't need to worry about that but the point is these reviews are fake and this company is a fraud! You have been warned.