I got in contact from a letter that I got int he mail and my Loan Specialist was very helpful. He explained everything to me in great detail, put my concerns at ease and was able to get my rate down to a 4.875% which is great because I thought I was stuck in my arm loan due to property values and my 2nd mortgage that I have. I have been turned down several times in the past but my Loan Specialist was able to help me.