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Lenox Financial (Irvine)
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Look, we all know refinancing isn't easy. That's a given. But buyer beware! Lenox Financial has been in the business a long time now and they know how to play the game. They are worse than used-car salesmen. Remember, there are certain fees that are considered "junk fees". These junk fees represent pure profit when refinancing. Lenox wants every penny and will play hard to keep them all. If you are careful, and negotiate, you can save at least $500 in fees. Insist on up to date GFE's and do not rely solely on their "worksheets" because at the end they will not honor the worksheets they create. Do not let them lock in rates until you give the go-ahead, and insist on a rate review before docs are created. Know that you can always have your docs rerun. Don't let them convince you otherwise! And finally, remember, YOU ARE THE CUSTOMER! Good luck
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