In August of 2016, I was contacted by Gary Twitchell from New American Funding to do a refi on my home purchased January 2016.
Our current payments were $2989.00. Gary told me we would save "at least $300 per month". I told him we should wait because our $200 PMI would be dropping off next April. He said not to wait.
The loan did not close until the end of December (4 months) and our payment only went down to $2919.00. ($70 less) I have all the emails in writing stating the payments would decrease by $300. The loan cost us over $13000.00. WHAT A RIP