We refinanced with a now defunct company.It was sold to HSBC Mortgage Services.
They are THE worst! Payments made over the phone cost $15.00 and then they would claim it wasn't paid! We have tried to refinance our mortgage with them several times since 2009; they say they don't have to and they mean it. We paid a home "rescue" company $2,400.
to try to modify our mortgage; they closed up along with our money. Spent 2 days at a NACA convention asking for help. They confirmed what we already knew: HSBC is impossible to work with. Due to circumstances, we filed personal bankruptcy last year which was discharged.
Now NO mortgage refinance company will help us.
Also, we owe over double the amount our home is worth and paying 7.6 percent.We're screwed unless we walk away...