We have excellent credit, and a near perfect loan ...

We have excellent credit, and a near perfect loan history. They sent us a flyer saying all kinds of promises about lowering monthly payments with loan consolidation, but only when you agree to have them pull your credit (and damage your score) do they admit it s just a glorified equity loan. So if you can t get what you want through the credit union/bank of your choice due to not enough equity, DON T go to these guys. Once he found out I wasn t interested in any of his backup loans, he got quite rude and short. Not to mention he was the third different person who supposedly handled our account before the loan was even started. And they even left off a crucial bit of information that would have affected the bottom line had we gone forward. Very sloppy research and follow through.. the company doesn t have a designated loan officer willing to invest and talk to your family, don t use them. This is a company that uses misleading advertising to get naive people like me to bite and then tries to overwhelm them with numbers and info to get them to make sub-par loans in the company s interest. He wasn t happy that I kept cutting him off and telling him to get to the point on what type of loan it was. Don t make my mistake-lesson learned.