I would like to warn everyone of this scam. They call you, offering to lower your interest rates to half of what you are paying. They charge you a $2490 upfront fee telling you that they will reimburse you should you not save on interest fees. They also offer you $500 worth of free gas certificates if you sign on with them.
I called my banks who said that this company is a scam, do not sign any papers sent from them. Your bank can reverse the charge if you have not signed any paperwork.
Do not be scammed by this fraudulent company.