My husband and I are looking to refinance our mortgage. I figured even though we had trouble with our mortgage consultant in the beginning that maybe I should contact him since he knows all our information. When we first went through the qualification process he was very disconnected, we had a hard time getting questions [...]

Why would you pay someone to do something you can do yourself for free AND take the 3 or 4 grand they will want from you and put it towards your mortgage payments or closing costs to refi? Doesn’t make sense to me! Also, a lot of these places will charge you an up front [...]