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Avoid this company
Avoid this company! I saw refinance rates advertised as low as 4.95%, so I applied, hoping to lower my 6.29% loan. Instead, they offered me 6.49%—higher than what I’m already paying! Absolute joke. I also took a hard inquiry on my credit, only to find out the 4.95% rate isn’t even available in my state (AZ). Had they been upfront about this, I never would have applied. When I asked to have the inquiry removed, they refused. Deceptive advertising and a complete waste of time. Stay far away!