AFR does refinance mortgages through a marketing s...

AFR does refinance mortgages through a marketing subsidiary ELEND. The company does not provide good service to the applicants. In Sept'16 we applied and in Dec.'16 they withdrew their mortgage rate of 3.22 to raise to 4+. The employees were so incompetent that the loan was never completed. Very slow, poorly trained, etc. We suspect that ELEND realized that mortgage rates were rising and wanted out of our refinance. Unfortunately the BBB of NJ can do nothing and AFR refuses to reimburse us the $500 out-of-pocket expense for an appraisal. BTW, couple has 800+ credit scores, no debt, etc. Avoid this lender.