What a clown show! I had a straight forward re-fi with a LTV ratio of 28% and more than adequate income from a job Ive been at 16 years. They would have made 600k if I had defaulted. The originator left the job- leaving me with an idiotic processor that requested the same documents over and over again. Then had the audacity to ask me for my employers tax returns. I kid you not. Needless to say- Im three months in and am losing my much lower rate. Avoid this clown car at all costs.