so true sredish, it is to the point now if you try and refinance mortage companies get your number and call you to the point of harrassment.BRIAN.call this guy, he is right out side philly. he contacted me on mon.and i am closing tommorow.ameriquest mortage, ivan rodrigues,215 638 8495.no bullshit. most straight up company i have dealt with yet.tell ivan john austin told you to call.