We have been trying to refinance since February and due to an incompetent processor (Ashley Bennett), things are still not finalized. Since the original time expired (through no fault of our own), they are now trying to charge us extra fees and additional appraisal fees, which we had already paid. In other words, the new figures reflect $1000.00 increase from the original transaction details. Sadly, we have had a mortgage with this company for many, many years, but this experience has really left us feeling betrayed. Repeated phone calls and e-mails and secure messages in the website go unanswered.