I got an FHA streamline refinance with them with ~93 LTV. The rate was 3.25%/ 30 years. I had to come to the table with a little over 4k but ended up getting back more than I put in. I ended up getting close to one month's free morgage out of the deal. Only drawback was the anxiety of waiting a while to close. But in the end it was all worth it. They were honest and answered my repeated calls without a screener. Thanks Mike.