I received an invitation in the mail reference ref...

I received an invitation in the mail reference refinancing my mortgage several months ago. I eventually applied after thinking about it since I could use some cash out in order to do some repairs on my property even though I had read some less than positive reviews. I figured since Ocwen, my mortgage company, is the parent company for Homeward Residential I wouldn't have a problem. The loan officer was very attentive and thorough. He helped me through the process and I was put at ease. I submitted all requested documents promptly and paid $450 for an appraisal and had that completed within the first few weeks. I thought everything was fine until my application was passed to the processor. From the beginning I felt that this person was passive aggressive when I questioned her about anything. If she didn't like the question she wouldn't return my calls or emails. She asked for a roof inspection and when I asked if she could recommend someone like the loan officer had done with the appraisal she told me to call the original appraiser to see if he would do it. He of course said no. After that, I communicated with her only via email because I began feeling that something wasn't right. I wanted a paper trail. During this time the original loan officer called back to "check" to see how the process was going and I told him what issues I was having. He immediately had his supervisor call me and apologize for the processor. He advised me she gave me wrong information. I remembered that I had recently had a roof inspection for my homeowners insurance and asked if they had access to the report which should have been in my mortgage file. I was called back and told the document was found and would be forwarded to my processor who would then submit it to the underwriter for review. A few days later the processor called and asked if I had had some repairs done so she could send the appraiser back out (another $450) to document. I advised her this was the first I had heard of any repairs being needed and I'd been communicating with her for two months. I told her to forget the whole thing and that I would find another lender. Sounds like a SCAM to me. Beware of this company please.