Where can I find an honest loan company?I own a house in Concord with a 5% fixed 30 year FHA mortgage. I've owned it for 2 years. I am on a job in Hawaii and my daughter is taking care of this house. It's not a rental. I want to refinance to have a lower payment - no cash out. I've looked into a LOT of offers of 3.99%! only to find they were ARM's with high closing/refi costs and they wanted my credit card numbers so they could charge me for appraisals etc. Where can I get a straighforward 4.25% 30 year fixed mortgage with costs under $2500? No gimmicks, nothing hidden. I've been financially skewered by the real estate industry so many times I'm thinking most realtors and lenders are nothing but crooks.January 17 2011 - Concord00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.